FIRST PEOPLES COMMUNITY
Federal • CUMBERLAND, Maryland • Est. 1959
Quick Facts
- Charter Number
- #13345
- Type
- Federal
- Established
- 1959
- Headquarters
- CUMBERLAND, Maryland 21501-1377
- Address
- PO BOX 1377
- Branches
- 20
- ATMs
- 20
- Members
- 34,478
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
34,478 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST PEOPLES COMMUNITY |
|---|---|
| Total Assets | $637.0M |
| Members | 34,478 |
| Loans Outstanding | $468.4M |
| Shares & Deposits | $537.9M |
| Net Worth | $86.9M |
| Net Worth Ratio | 13.64% |
| Loan-to-Share Ratio | 87.1% |
| Delinquency Rate | 0.53% |
| Net Income | +$9,109,638 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
20 locations · 20 ATMs
Queen City Drive
54 QUEEN CITY DR
CUMBERLAND, MD 21502
Downtown
Main Office153 BALTIMORE ST
CUMBERLAND, MD 21502
Grantsville
12497 NATIONAL PIKE
GRANTSVILLE, MD 21536
Lonaconing
29 MAIN ST
LONACONING, MD 21539-1122
Cresaptown
15304 MCMULLEN HWY SW
CRESAPTOWN, MD 21502-5618
Who Can Join FIRST PEOPLES COMMUNITY?
Membership Type: Other/Unknown
Membership eligibility for FIRST PEOPLES COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact FIRST PEOPLES COMMUNITY 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. FIRST PEOPLES COMMUNITY 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, FIRST PEOPLES COMMUNITY has 34,478 members and a potential membership field of 458,000 people.
FIRST PEOPLES COMMUNITY's net worth ratio is 13.64% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.6%, FIRST PEOPLES COMMUNITY meets this threshold.
FIRST PEOPLES COMMUNITY operates 20 branch locations and has access to 20 ATMs. The main office is located at 153 BALTIMORE ST, CUMBERLAND, MD 21502.
FIRST PEOPLES COMMUNITY was established in 1959. It is a federal credit union chartered under charter number 13345. The institution has been serving members for 67 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FIRST PEOPLES COMMUNITY. All financial data is for informational purposes only.