ACT 1ST

Charter #6679 | MD

100M-500M (1077 CUs) Micro
16 100M-500M in MD

ACT 1ST has 2 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 24.4% in tier
  • + Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 13.9% in tier
  • - Indirect Auto Dependency: Bottom 16.8% in tier
  • - Deposit Outflow: Bottom 18.9% in tier
  • - Membership Headwinds: Bottom 22.5% in tier
  • - Stagnation Risk: Bottom 22.6% in tier
  • - Institutional Decline: Bottom 29.5% in tier
  • - ROA 0.05% below tier average
  • - Delinquency rate 0.38% above tier average
  • - Net Worth Ratio: Bottom 3.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 11,945
-1.6% YoY+0.5% QoQ
 -3.7K 15,628
-3.4% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 41st in tier
Assets $143.8M
+0.3% YoY-1.7% QoQ
 $-87.5M $231.3M
-0.0% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 28th in tier
Loans $107.7M
-2.4% YoY-0.9% QoQ
 $-40.1M $147.8M
-1.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 39th in tier
Deposits $132.2M
-0.5% YoY-2.2% QoQ
 $-68.1M $200.3M
-0.0% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 32nd in tier
ROA 0.7%
+127.4% YoY+87.3% QoQ
 -0.0% 0.8%
+15.5% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 48th in tier
NIM 4.0%
+19.8% YoY+3.7% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 70th in tier
Efficiency Ratio 70.8%
-17.1% YoY-3.2% QoQ
 -6.5% 77.3%
-3.0% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 28th in tier
Delinquency Rate 1.2%
+20.6% YoY-11.2% QoQ
 +0.4 0.9%
+7.6% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 Top 21.1% in tier
Loan To Share 81.5%
-1.9% YoY+1.3% QoQ
 +8.8% 72.7%
-1.5% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 68th in tier
AMR $20,077
+0.2% YoY-2.1% QoQ
 $-4K $24,363
+2.9% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 36th in tier
CD Concentration 33.1%
-2.4% YoY+6.0% QoQ
 +8.6% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 35.6%
+12.1% YoY-0.8% QoQ
 +21.6% 14.0%
-5.8% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#458 of 627 • Top 24.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.74%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.61%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Concerns (6)

Credit Quality Pressure

risk
#344 of 736 • Bottom 13.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.21% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#271 of 525 • Bottom 16.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.31%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 35.56%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Deposit Outflow

decline
#112 of 114 • Bottom 18.9% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.53%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $143.81M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Membership Headwinds

decline
#371 of 550 • Bottom 22.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#373 of 550 • Bottom 22.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.74%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.1K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 33.05%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline
#233 of 256 • Bottom 29.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $143.81M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.61%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.39%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

1045
Net Worth Ratio
risk
Value: 7.83%
Peer Avg: 12.15%
#1045 of 1077 Bottom 3.1% in 100M-500M tier
954
Indirect Auto Concentration (%)
balance_sheet
Value: 35.56%
Peer Avg: 13.34%
#954 of 1077 Bottom 11.5% in 100M-500M tier
911
Deposit Growth Rate
growth
Value: -0.53%
Peer Avg: 4.69%
#911 of 1077 Bottom 15.5% in 100M-500M tier
902
Fee Income Per Member
profitability
Value: $103.29
Peer Avg: $174.31
#902 of 1077 Bottom 16.3% in 100M-500M tier
868
Share Certificate Concentration (%)
balance_sheet
Value: 33.05%
Peer Avg: 23.61%
#868 of 1077 Bottom 19.5% in 100M-500M tier
859
Asset Growth Rate
growth
Value: 0.31%
Peer Avg: 4.70%
#859 of 1077 Bottom 20.3% in 100M-500M tier
854
Net Charge-Off Rate
risk
Value: 0.69%
Peer Avg: 0.47%
#854 of 1077 Bottom 20.8% in 100M-500M tier
851
Total Delinquency Rate (60+ days)
risk
Value: 1.24%
Peer Avg: 0.86%
#851 of 1077 Bottom 21.1% in 100M-500M tier
826
Loan Growth Rate
growth
Value: -2.39%
Peer Avg: 3.45%
#826 of 1077 Bottom 23.4% in 100M-500M tier
823
AMR Growth Rate
growth
Value: 0.25%
Peer Avg: 3.64%
#823 of 1077 Bottom 23.7% in 100M-500M tier