FIRST PEOPLES COMMUNITY

Charter #13345 | MD

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in MD

FIRST PEOPLES COMMUNITY has 3 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 11.1% in tier
  • + Organic Growth Leader: Top 13.1% in tier
  • + ROA 0.40% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 29.0% in tier
  • - Members Per Employee (MPE): Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 34,521
+3.1% YoY+0.6% QoQ
 -5.2K 39,752
-2.7% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 36th in tier
Assets $631.3M
+6.4% YoY-0.6% QoQ
 +$8.9M $622.4M
+0.3% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 54th in tier
Loans $456.5M
+0.7% YoY+0.9% QoQ
 +$20.6M $435.9M
-0.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $535.9M
+5.1% YoY-0.9% QoQ
 $-2.1M $538.0M
+1.3% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 49th in tier
ROA 1.1%
+17.5% YoY+13.7% QoQ
 +0.4% 0.7%
+33.9% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 Top 20.1% in tier
NIM 3.2%
+8.1% YoY+2.1% QoQ
 -0.3% 3.4%
+8.6% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 32nd in tier
Efficiency Ratio 72.9%
-6.4% YoY-1.8% QoQ
 -5.2% 78.1%
-3.4% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 Bottom 24.9% in tier
Delinquency Rate 0.4%
-67.3% YoY-12.9% QoQ
 -0.4 0.8%
-4.9% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 Bottom 24.3% in tier
Loan To Share 85.2%
-4.2% YoY+1.8% QoQ
 +4.2% 81.0%
-1.8% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 56th in tier
AMR $28,749
+0.0% YoY-0.6% QoQ
 +$2K $26,482
+2.6% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 71st in tier
CD Concentration 33.4%
+6.3% YoY+1.5% QoQ
 +9.0% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 Top 20.0% in tier
Indirect Auto % 8.5%
+0.1% YoY+4.0% QoQ
 -5.5% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 51st in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#204 of 603 • Top 11.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.05%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.06%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 8.50%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#173 of 430 • Top 13.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.05%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (1)

Liquidity Overhang

risk
#450 of 552 • Bottom 29.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.23%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 85.18%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (7 metrics)

26
Net Charge-Off Rate
risk
Value: 0.16%
Peer Avg: 0.51%
#26 of 169 Top 14.8% in 500M-750M tier
27
Net Worth Ratio
risk
Value: 13.23%
Peer Avg: 10.94%
#27 of 169 Top 15.4% in 500M-750M tier
34
Return on Assets (ROA)
profitability
Value: 1.06%
Peer Avg: 0.66%
#34 of 169 Top 19.5% in 500M-750M tier
38
Member Growth Rate
growth
Value: 3.05%
Peer Avg: 1.75%
#38 of 169 Top 21.9% in 500M-750M tier
41
Loan-to-Member Ratio (LMR)
engagement
Value: $13,224
Peer Avg: $11,805
#41 of 169 Top 23.7% in 500M-750M tier
42
Total Delinquency Rate (60+ days)
risk
Value: 0.39%
Peer Avg: 0.80%
#42 of 169 Top 24.3% in 500M-750M tier
43
Efficiency Ratio
profitability
Value: 72.94%
Peer Avg: 78.10%
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (3 metrics)

160
Members Per Employee (MPE)
engagement
Value: 228.616
Peer Avg: 338.010
#160 of 169 Bottom 5.9% in 500M-750M tier
135
Share Certificate Concentration (%)
balance_sheet
Value: 33.44%
Peer Avg: 26.87%
#135 of 169 Bottom 20.7% in 500M-750M tier
128
AMR Growth Rate
growth
Value: 0.00%
Peer Avg: 3.12%
#128 of 169 Bottom 24.9% in 500M-750M tier