ACT 1ST
Federal • LaVale, Maryland • Est. 1950
Quick Facts
- Charter Number
- #6679
- Type
- Federal
- Established
- 1950
- Headquarters
- LaVale, Maryland 21502
- Address
- 1313 National Highway, STE 7, PMB 3
- Branches
- 3
- ATMs
- 6
- Members
- 11,961
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
11,961 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ACT 1ST |
|---|---|
| Total Assets | $145.2M |
| Members | 11,961 |
| Loans Outstanding | $106.5M |
| Shares & Deposits | $133.6M |
| Net Worth | $11.5M |
| Net Worth Ratio | 7.93% |
| Loan-to-Share Ratio | 79.7% |
| Delinquency Rate | 1.60% |
| Net Income | +$2,043,319 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 6 ATMs
ACT 1st Federal Credit Union - LaVale
Main Office14316 National Hwy SW
LaVale, MD 21502
Messick
11905 Messick Rd SE
Cumberland, MD 21502-8714
Romney
555 W Main St
Romney, WV 26757-1532
Who Can Join ACT 1ST?
Membership Type: Other/Unknown
Membership eligibility for ACT 1ST may vary. Contact the credit union directly to confirm qualification requirements.
Contact ACT 1ST directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Maryland RankingsFrequently Asked Questions
Yes. ACT 1ST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ACT 1ST has 11,961 members and a potential membership field of 421,572 people.
ACT 1ST's net worth ratio is 7.93% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 7.9%, ACT 1ST meets this threshold.
ACT 1ST operates 3 branch locations and has access to 6 ATMs. The main office is located at 14316 National Hwy SW, LaVale, MD 21502.
ACT 1ST was established in 1950. It is a federal credit union chartered under charter number 6679. The institution has been serving members for 76 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ACT 1ST. All financial data is for informational purposes only.