Charter 8554 · Sparks, MD
First Financial of Maryland Federal Credit Union
First Financial of Maryland Federal Credit Union is a federally chartered credit union in Sparks, Maryland, with $1.43 billion in assets and 81,365 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 16.73%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.43 billion
- +8.2% in a year
- Members
- 81,365
- +7.4% in a year
- Net worth ratio
- 16.73%
- Peer median 10.79%
- Loans 60+ days late
- 0.54%
- Peer median 0.67%
- Loans outstanding
- $930 million
- +10.1% in a year
- Shares and deposits
- $1.18 billion
- +7.2% in a year
- Branches
- 10
- 196 employees
- Opened
- 1953
- Federal charter
How First Financial of Maryland Federal Credit Union compares
NCUA groups credit unions by size; First Financial of Maryland Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 16.73% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.54%, is lower than the group median of 0.67%. Loans grew 10.1% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 7 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 | $1.43 billion | 81,365 | $930 million | 16.73% | 0.54% |
| Q1 2026 | $1.42 billion | 80,539 | $884 million | 16.79% | 0.43% |
| Q4 2025 | $1.36 billion | 77,416 | $868 million | 17.50% | 0.52% |
| Q3 2025 | $1.33 billion | 77,094 | $863 million | 17.70% | 0.43% |
| Q2 2025 | $1.32 billion | 75,760 | $845 million | 17.70% | 0.35% |
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 290,995 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 10 sites for First Financial of Maryland 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.
- Catonsville
40 W Plaza, Catonsville, MD 21228 - Westminster
625 Baltimore Blvd Ste H, Westminster, MD 21157 - Golden Ring
8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 - Fullerton
7966 Belair Rd, Baltimore, MD 21236 - Owings Mills
9906 Reisterstown Rd, Owings Mills, MD 21117 - Loveton (main office)
72 Loveton Cir, Sparks, MD 21152 - Heaver Plaza
1301 York Rd, Lutherville, MD 21093 - Pocomoke City
1506 Market St, Pocomoke City, MD 21851 - St. Joseph Branch
7601 Osler Dr, Towson, MD 21204 - Elkton
203 Booth St, Elkton, MD 21921
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