Institution profile
ACT 1ST
Identity verified through NCUA; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
NCUA identity
- NCUA charter number
- 6679
- Credit union type
- Federal credit union
- Federal insurance
- Federally insured through the NCUA / National Credit Union Share Insurance Fund
- Low-income designation
- Yes
NCUA-reported main office
Main office is the location classification reported in the NCUA source and is not presented here as a legal-headquarters determination.
- Address line 1
- 14316 National Hwy SW
- City
- LaVale
- State
- MD
- ZIP
- 21502
- County
- Allegany
- Country
- United States
- Phone
- 3017298015
- Hours
- Lobby: Mon - Fri: 9:00 am to 5:00 pm Saturday: 9:00 am to 1:00 pm Drive-Thru: Mon-Thurs: 9:00am to 5:00pm Friday: 9;00 am to 6:00 pm Saturday 9:00 am to 1:00 pm
NCUA quarterly financial summary
Data period: March 31, 2026
- Members
- 12,048
- Total assets
- $150,346,016
- Total loans — all reported loan categories
- $106,272,949
- Shares and deposits
- $138,231,450
- Return on average assets
- 0.47%
- Net worth ratio
- 7.78%
- Loan-to-share ratio
- 76.88%
NCUA total-loan balances are institution-wide and are not presented as mortgage volume.
Four-quarter growth metrics
- Shares/deposits four-quarter growth
- 3.31%
- Loans four-quarter growth
- -2.02%
- Assets four-quarter growth
- 4.13%
- Members four-quarter growth
- 1.89%
- Net-worth four-quarter growth
- 11.95%
Location characteristics
Source-reported location characteristics. These fields are not recommendations or quality indicators.
- Member services
- Yes
- ATM
- Yes
- Drive-thru
- Yes
- Shared service-center network
- No
NCUA source dates
- NCUA call-report date
- March 31, 2026
- NCUA locations data date
- March 31, 2026
- NCUA locations observed
- August 7, 2026
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- Federally insured federal credit union