# FIRST PEOPLES COMMUNITY
CUMBERLAND, MD · NCUA charter 13345 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-peoples-community-13345

Who the members are: federal charter, community charter, organized 1959, low-income designated. 34,621 members of 458,000 potential (7.6% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $659.9M |
| Members | 34,621 (1.5% YoY) |
| Full-time staff | 130 |
| Net worth | $88.8M |
| Net worth ratio | 13.5% (p85 of band) |
| ROA (annualized) | 1.15% (p82 of band) |
| Total delinquency | 0.25% (p16 of band) |
| Net charge-offs (annualized) | 0.19% (p19 of band) |
| Loans / shares | 85% (p58 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 0.61% |
| Net interest margin | 3.18% (p30 of band) |
| Operating expense / assets | 3.16% (p28 of band) |
| Vehicles % of loans | 20% (p27 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 51% (p37 of band) |
| Vehicle delinquency | 0.19% (p11 of band) |
| Vehicle NCO | 0.24% (p14 of band) |
| Repossessed % of vehicle book | 0.17% (p78 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 102% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 33% |
| Average share balance | $8,230 |
| Participations bought / yr | $6.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $39.4M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $33,584 |
| Loans granted, annualized | $122.5M |

## Participation posture (from the same filings)

Bought $6.0M and sold $0 in the latest annualized quarter; $39.4M outstanding purchased (44.3% of net worth), $2.0M sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 2.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, loans>95% of shares, leaning on borrowings |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | net worth falling |  |
| 2017-09 | 2 |  | leaning on borrowings, net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | charge-offs p90 |  |
| 2018-09 | 3 | leaning on borrowings | charge-offs p90 |
| 2018-12 | 2 |  | delinquency 2x band |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | leaning on borrowings |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising | loans>95% of shares |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 | net worth falling | delinquency 2x band, delinquency rising |
| 2021-06 | 2 | delinquency 2x band | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 0 |  | delinquency 2x band |
| 2022-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2022-12 | 0 |  | charge-offs p90 |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 0 |  | assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-07-06 [First Peoples Community FCU announces Randy Olsen as new CEO - WV News](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPM3FJdE9qUG5VV2UwWG1FOHJVeDBYdDRJMzczMktTTHA2aUFHQm5NbmlDX29jWkx0YWUxWUE3QXZHZkc5NGFpYTNTZXo3bmVTSGRYc0Z1MUt2emRzeU04UUFTX2RobXIyNXVYeFRDR0RZYi1qOXRPdkxWN3k2T0lGdkdjanFFNTk0c0hmS2JSaXFVYWdvc2pJSXF2cklZblZBWTZwYlh6VG8xNFk5SFFfYnRVaUN2MGJQRzIxWnF6QjVJTlhFY3BmWGpmWkJYTVJXU0FCNl92cldReDhOamtMQmVpZ29rdjUwd2tmYng5aWt4azQ?oc=5) · WV News
- 2008-08-05 [Smiley recognized for 40 years service with First Peoples - The Cumberland Times-News](https://news.google.com/rss/articles/CBMizwFBVV95cUxNVnZjV29Lc0I0OHYxWk9ReVdZellHd0EzWUc2SU5lNzNzMnZKandSWVBvcU82YThGR0JYSkRSd2F2Zk5zdE5pb3lhVG1ZcmNVbTMtTThMcmVOa3R1ems3N2pienRLYWNZYlhRWlMwUjBIZDJFNFVwNFBGLU9SaEhsWERuTF9mbGR4WFZ0UGVTRHZncUFpQW1DVG1pOWFLLUNyR0ZzOTlKY0RxX19TYWxOaFAxa0JLa01zSE9YS1cwMnVzbU9aYkh1Tlp4LTd5Qzg?oc=5) · The Cumberland Times-News
- 2023-01-09 [Walter Joseph "Walt" Brallier Obituary (2023) - Cumberland, MD - Adams Family Funeral Home, P.A. - Cumberland - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxObUMwbHNRcXdLemcyS1hUWUw1QlhwWTNDVkkxS01LOEp1aEpRMDZuZks0UmtNVl9DMFBlTTZ0MGZ1aDYwSG9FOW9peWpJaGJtVXBtYVZ0MFY4Zm9fclk2cnNaRDBCWnpKSkZfU2R0dnp2MmJTRFNYX2V6MTJIOVZ4MGE1RU0?oc=5) · legacy.com
- 2007-10-31 [First Peoples opens Grantsville office - The Cumberland Times-News](https://news.google.com/rss/articles/CBMitgFBVV95cUxOUm8xZnEwM3lMS01oNFNkTm5fX3BSMG9jeWVBMC1FZlpRSVN5bmhOT1Y2XzdrcUdfUDJLb3VBdDJxbUxCc3lpZzUyQXBjLWFXMjBHbDVOalVSWTV3V0FqOGFueE5NMk9jNWp1NEotMHFSV1k2Ny1QYVZ2TTF5NFNLOUFjU21oT2RCT0JvSmE2dGl1MHVqcS1Tb05ldEIwa25jUEpVcFJrNzBYTS1DWkRGTy1UVWpqUQ?oc=5) · The Cumberland Times-News
- 2014-08-05 [Stacey Bingaman - The Cumberland Times-News](https://news.google.com/rss/articles/CBMilAFBVV95cUxNaDVmamlEdkticlc1UllPRWltQWdFNllESnNHb2loZUgzN0RSb0lrRkVGOVdxdHhhVDVtVlhHTWxoaFV4VnFfTHRXVVJBUjE4WUd1TXYtMWpndE5mNDlxaVoxZ0Z6dksxQ2hXTmlRU0w2X1M3LVRjR0dROVphODhIdjJIWko5VEpUV2NDQy1TeW5wVllh?oc=5) · The Cumberland Times-News
- 2026-06-09 [Allegany County Fair superpasses on sale starting Friday - The Cumberland Times-News](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNYUxpa1FocDBTclhwdzlfMlVYc0JvUk9JN3pvTkE2WWRUZHo1WW1jdVotTWZMd2JySzdidFFDeUNuc0xUZHlnS3R5WWNUZW9NZTlrZ0ZQcWp3UVhOc0J3TEJEbkg2cDMxMlhvM05Cb0I2TjN4T291WldrNHlmeWJEMFVna2Z1OFBJY19adkJXVmhwbGdwdW5weVEzbnQ3ODN4NVBmZVhiN0JOU2NTcW1XOS1Qc3NXRVRvaVl0SVg3Q19RWEMzZmdfODJLT1EtbmkybEU2ZHcwaGIyUEhaOENVTms5Yw?oc=5) · The Cumberland Times-News
- 2014-08-07 [Raymond D. Hott (Short Gap) - The Cumberland Times-News](https://news.google.com/rss/articles/CBMiowFBVV95cUxOQlVTOURsTG93TFJzcGV5a3Vma21kMlRfb3JzYkRwMEZ4MHJYeTl0UnJ2OHl3MEZ5SjFmYnh5ME4wWWdRODNjek1oUWNGVVdpd1dDVU5fYm10bllzV0VwRk5RWjhUeDJ6cHZoSHVYbXY3dk1HRTEtek9mWHVWNVV4U2NrWWF6bXpfMTVYX1MxdURud2hCbkNuNEdleUgtZHNzdXhn?oc=5) · The Cumberland Times-News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13345 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/33.json (key "13345", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13345
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide