First Peoples Community Federal Credit Union
First Peoples Community Federal Credit Union is headquartered in CUMBERLAND and is the 15th largest credit union in the state of Maryland. It is also the 650th largest credit union in the nation. It was established in 1959 and as of March of 2025, it had grown to 141 employees and 34,120 members at 20 locations. First Peoples Community Federal Credit Union has an A+ health rating.
Field of Membership Restrictions
Membership in First Peoples Community Federal Credit Union is open to those who live, work, worship, or attend school in Allegany, Garrett, or Washington Counties, Maryland; Bedford, Fulton, or Somerset Counties, Pennsylvania; or Hampshire, Mineral, or Morgan Counties, West Virginia.
See current membership details
In-Branch Visit Required To Open Account
The credit union's website says membership is limited to people who have a connection to certain areas of Maryland, Pennsylvania, or West Virginia; alternately, someone "can join our nonprofit partner association (Planting Roots Foundation) and immediately qualify!" Unfortunately, the website fails to mention that joining the credit union requires an in-person visit to a branch within that small tri-state area.
I spoke on the phone with two customer service representatives. Neither was familiar with the Planting Roots Foundation alternative, but they both knew that joining the credit union required a branch visit.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 13345 |
| Year Chartered | 1959 |
| Employees | 141 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.82% |
| Return on Equity - YTD | 6.53% |
| Annual Interest Income | $7.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $633.5MM$601.8MM |
| Loans | Q1 2025vs Q1 2024 | $451.8MM$449.9MM |
| Deposits | Q1 2025vs Q1 2024 | $543.5MM$520.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $78.2MM$67.8MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $5.5MM$5.6MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $1.1MM$1.3MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$80K |
