FIRST PEOPLES COMMUNITY
Charter #13345 · CUMBERLAND, MD · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.46% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.17% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.25% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 34th — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST PEOPLES COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $659.87M | 39th pct | 36th pct |
| Members | 34,621 | 29th pct | 31th pct |
| Net worth ratio | 13.46% | 85th pct | 90th pct |
| Return on average assets | 1.17% | 82th pct | 82th pct |
| Net interest margin | 3.23% | 32th pct | 36th pct |
| Cost of funds | 1.57% | 57th pct | 48th pct |
| Loan-to-share | 84.54% | 58th pct | 46th pct |
| Delinquency 60+ days | 0.25% | 16th pct | 21th pct |
| Net charge-off ratio | 0.19% | 19th pct | 34th pct |
| Loan growth YoY | 3.27% | 76th pct | 74th pct |
| Share growth YoY | 4.05% | 50th pct | 48th pct |
| Efficiency ratio | 72.38% | 25th pct | 28th pct |
structural peer set hash: 66c3d9f0d9c86e83ddaff4cd7a882022… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.