First Peoples Community Credit Union

First Peoples Community Credit Union is headquartered in CUMBERLAND and is the 17^st largest credit union in the state of Maryland. It is also the 618^st largest credit union in the nation. It was established in 1959 and as of September of 2011, it had grown to 103 employees and 29,086 members. First Peoples Community Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q3 2011

Institution Statistics FIRST PEOPLES COMMUNITY NCUA # 13345 BankRate Report View Year Established 1959 Employees 103 Primary Regulator Assets and Liabilities Assets $308.47 million Loans $238.51 million Deposits $255.10 million Equity Capital $29.68 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $3.52 million Real Estate Owned $1.39 million Historic Data - September 2010 Assets $267.27 million Equity Capital $25.72 million Loan Loss Allowance $1.61 million Unbacked Noncurrent Loans $3.06 million Real Estate Owned $643,000 Profit Margin - Quarterly Net Interest Margin 3.25% Return on Assets 1.18% Return on Equity 12.25% Interest Income $10.78 million Non-Interest Income $3.30 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 First Peoples Community Credit Union had $4.91 million in non-current loans and owned real-estate with $31.88 million in equity and loan loss allowances on hand to cover it. This gives First Peoples Community Credit Union a Texas Ratio of 15.41% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Peoples Community Credit Union held steady from 13.56% as of September 30, 2010 to 15.41% as of September 30, 2011, resulting in a negative change of 13.65%. This indicates that the balance sheet and financial strength for First Peoples Community Credit Union has held steady in recent periods. Deposit Growth In the past year, First Peoples Community Credit Union has increased its total deposits by $33.81 million, resulting in 15.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Peoples Community Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Peoples Community Credit Union has $308.47 million in assets with $31.88 million in equity, resulting in a capitalization level of 10.33%, which is above average.

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