Lavale, Maryland · Peer group 5
Act 1st Credit Union
Act 1st Credit Union holds $150.3M in assets across 12,048 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1950. Charter number 6679, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $150.3M |
|---|---|
| Total loans | $106.3M |
| Total shares (deposits) | $138.2M |
| Net worth | $11.7M |
| Members | 12,048 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.1% | |
|---|---|---|
| Loans | -2.0% | around the 23rd percentile of its peer group |
| Deposits | 3.3% | around the 52nd percentile of its peer group |
| Members | 1.9% | around the 74th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 76.9% | around the 60th percentile of its peer group |
|---|---|---|
| Net worth ratio | 7.8% | lower than 98% of its peer group |
| Return on assets | 0.47% | around the 34th percentile of its peer group |
| Delinquency ratio | 1.02% | around the 77th percentile of its peer group |
| Cash / assets | 19.3% | higher than 90% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Act 1st Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Maryland — the comparison set a peer ratio is measured against.
- Market USA Credit Union
LAUREL, MD
$141.4M · 17,055 members
- Police Credit Union
UPPER MARLBORO, MD
$175.8M · 13,960 members
- First Eagle Credit Union
Owings Mills, MD
$111.5M · 8,184 members
- Money One Credit Union
LARGO, MD
$107.5M · 6,661 members
- Washington County Teachers Credit Union
HAGERSTOWN, MD
$96.0M · 4,475 members
- Transit Employees Credit Union
Greenbelt, MD
$94.6M · 12,406 members
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