First Peoples Community Federal Credit Union


Overview / Commentary
301-784-3000
153 Baltimore St
Cumberland, MD 21502

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

Reviews (1)

In-Branch Visit Required To Open Account

Posted by: |

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.



Health
A+

Health Grade Components

Overall
NCUA #13345
Year Chartered1959
Employees141
Primary Regulator
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD6.53%
Annual Interest Income$7.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$633.5MM$601.8MM
LoansQ1 2025vs Q1 2024$451.8MM$449.9MM
DepositsQ1 2025vs Q1 2024$543.5MM$520.3MM
Equity CapitalQ1 2025vs Q1 2024$78.2MM$67.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.5MM$5.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.1MM$1.3MM
Real Estate OwnedQ1 2025vs Q1 2024$0$80K
Rates

Rates for First Peoples Community Federal Credit Union are currently being reviewed.

Locations

Availability



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