NCUA merger report, Q3 2025
Cecil County School Employees merger into First Financial of Maryland Federal Credit Union
NCUA's Merger Activity and Insurance Report for Q3 2025 lists Cecil County School Employees, of Elkton, MD, as merging into First Financial of Maryland Federal Credit Union, of Sparks, MD. NCUA records the reason as "expanded services". Cecil County School Employees last filed a call report for Q4 2025, with $25.1M in assets and 2,497 members.
Members of Cecil County School Employees become members of First Financial of Maryland Federal Credit Union. Watch for its notice on new account numbers, cards and online banking.
The two credit unions side by side
| Measure | Cecil County School EmployeesQ4 2025 | First Financial of Maryland Federal Credit UnionQ2 2026 |
|---|---|---|
| Assets | $25.1M | $1.4B |
| Members | 2,497 | 81,365 |
| Net worth ratio | 8.31% | 16.73% |
| Offices | – | 10 |
| Paid on deposits | – | 1.40% |
| New auto loan rate | – | 4.99% |
| Fee income per member | – | $44 |
Figures for Cecil County School Employees are from its call report for Q4 2025; this page carries only its size and capital. Assets for the report quarter: $26.0M merging, $1.3B continuing.
On our member-value score, built only from call-report data, First Financial of Maryland Federal Credit Union scores 64.5 out of 100.
First Financial of Maryland Federal Credit Union offices near Elkton
From NCUA's branch file for Q2 2026, in Elkton first and then elsewhere in MD. Every First Financial of Maryland Federal Credit Union location
Baltimore, MD 2
- Fullerton 7966 Belair Rd, Baltimore, MD 21236 ATM
- Golden Ring 8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 ATM
Catonsville, MD 1
- Catonsville 40 W Plaza, Catonsville, MD 21228 ATM
Elkton, MD 1
- Elkton 203 Booth St, Elkton, MD 21921 ATM
Lutherville, MD 1
- Heaver Plaza 1301 York Rd, Lutherville, MD 21093 Drive-through · ATM
Owings Mills, MD 1
- Owings Mills 9906 Reisterstown Rd, Owings Mills, MD 21117 ATM
Sparks, MD 1
- Loveton 72 Loveton Cir, Sparks, MD 21152 Main office
Westminster, MD 1
- Westminster 625 Baltimore Blvd Ste H, Westminster, MD 21157 ATM
Source: NCUA Merger Activity and Insurance Report, Q3 2025, and NCUA 5300 call reports. The report quarter is when the approval was listed; the merger may take effect later. Not affiliated with NCUA or either credit union. · All recent mergers · First Financial of Maryland Federal Credit Union full figures
Questions people ask
Did Cecil County School Employees merge?
Yes. NCUA's Merger Activity and Insurance Report for Q3 2025 lists Cecil County School Employees, of Elkton, MD, as merging into First Financial of Maryland Federal Credit Union, of Sparks, MD. Its last call report was for Q4 2025.
Why did Cecil County School Employees merge?
NCUA records the reason as "expanded services". That is the category NCUA's report gives; the credit unions' own merger notice to members explains it in more detail.
What happens to my Cecil County School Employees account?
Members and their accounts move to First Financial of Maryland Federal Credit Union, which becomes your credit union. Account numbers, the routing number, cards, checks and online banking can change; the notice First Financial of Maryland Federal Credit Union sends members gives the dates. Keep using your current details until it tells you otherwise.
Is my money still insured?
Yes. First Financial of Maryland Federal Credit Union is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. If you also had accounts at First Financial of Maryland Federal Credit Union before the merger, your balances are now at one credit union.