ACT 1ST
Federal • LaVale, Maryland • Est. 1950
Quick Facts
- Charter Number
- #6679
- Type
- Federal
- Established
- 1950
- Headquarters
- LaVale, Maryland 21502
- Address
- 14316 National Hwy SW
- Branches
- 3
- ATMs
- 6
- Members
- 12,048
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 7% and a delinquency rate below 2%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
12,048 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ACT 1ST |
|---|---|
| Total Assets | $150.3M |
| Members | 12,048 |
| Loans Outstanding | $106.3M |
| Shares & Deposits | $138.2M |
| Net Worth | $11.7M |
| Net Worth Ratio | 7.78% |
| Loan-to-Share Ratio | 76.9% |
| Delinquency Rate | 1.02% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Maryland
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Maryland RankingsFrequently Asked Questions
ACT 1ST is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, ACT 1ST has 12,048 members and a potential membership field of 423,330 people.
ACT 1ST's reported net worth ratio is 7.78% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or ACT 1ST. All financial data is for informational purposes only.