Charter 6679 · Lavale, MD
Act 1st Federal Credit Union
Act 1st Federal Credit Union is a federally chartered credit union in Lavale, Maryland, with $150 million in assets and 12,052 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.07%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $150 million
- +2.3% in a year
- Members
- 12,052
- +1.4% in a year
- Net worth ratio
- 8.07%
- Peer median 11.65%
- Loans 60+ days late
- 1.53%
- Peer median 0.70%
- Loans outstanding
- $109 million
- -0.1% in a year
- Shares and deposits
- $137 million
- +1.5% in a year
- Branches
- 3
- 42 employees
- Opened
- 1950
- Federal charter
How Act 1st Federal Credit Union compares
NCUA groups credit unions by size; Act 1st Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 8.07% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.53%, is higher than the group median of 0.70%. Loans fell 0.1% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 31 of 60 credit unions headquartered in Maryland. See all Maryland credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $150 million | 12,052 | $109 million | 8.07% | 1.53% |
| Q1 2026 | $150 million | 12,048 | $106 million | 7.78% | 1.02% |
| Q4 2025 | $145 million | 11,961 | $107 million | 7.93% | 1.60% |
| Q3 2025 | $144 million | 11,945 | $108 million | 7.83% | 1.24% |
| Q2 2025 | $146 million | 11,888 | $109 million | 7.34% | 1.40% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 423,330 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Act 1st Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- ACT 1st Federal Credit Union - LaVale (main office)
14316 National Hwy Sw, Lavale, MD 21502 - Messick
11905 Messick Rd Se, Cumberland, MD 21502 - Romney
555 W Main St, Romney, WV 26757
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology