First Peoples Community

CUMBERLAND, MD · 1 · Charter #13345 · www.firstpeoples.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$637.0M
72th percentile
Members
34,478
63th percentile
Total loans
$468.4M
76th percentile
Total shares
$537.9M
71th percentile

Profitability

Return on assets
1.41%
77th percentile
Net interest margin
3.18%
32th percentile
Efficiency ratio
52.25%
75th percentile
Non-interest income ratio
23.23%
74th percentile

Capital & Risk

Net worth ratio
13.64%
82th percentile
Delinquency rate
0.53%
67th percentile
Net charge-off rate
0.09%
90th percentile
Loan-to-share
87.07%
68th percentile

Growth

Member growth YoY
2.79%
75th percentile
Asset growth YoY
5.03%
49th percentile
Loan growth YoY
3.17%
45th percentile
Share growth YoY
3.47%
38th percentile

Operations

Members / branch
1,724
1th percentile
Assets / member
$18,476
67th percentile
Field of membership penetration
7.53%
66th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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