credit union

Act 1st

Lavale, MD · Est. 1950
C
Trust Grade
Average
Score: 79/100

Act 1st is a credit union based in Lavale, Maryland, established in 1950, with $150 million in total assets serving 12,048 members. By Trust Grade it ranks 58th of 61 credit unions we track in Maryland. Its net worth ratio of 7.8% trails most similarly sized credit unions (3th percentile), versus a Maryland median of 11.9%. It was profitable over the most recent period, with a 0.47% return on assets. No consumer complaints against Act 1st appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$150.3M
$100M–1B institution
Members
12,048
Shares & deposits
—
Net worth ratio
7.8%
Bottom 3% of $100M–1B peers · Maryland median 11.9%
Return on assets
0.5%
Bottom 34% of $100M–1B peers · Maryland median 0.49%
Rank in Maryland
#58
of 61 credit unions

How Act 1st compares to Maryland peers

Net worth ratio
Bottom 3% of $100M–1B peers
Act 1st
7.8%
Maryland median
11.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 34% of $100M–1B peers
Act 1st
0.5%
Maryland median
0.5%
Higher ROA = more profitable relative to asset base

How we graded Act 1st

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
79/100
Customer experience
n/a
Overall
C · 79
  • Well-capitalized (7.8% capital ratio)
  • Profitable (ROA 0.47%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Act 1st over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Act 1st insured?

Yes. Act 1st is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Act 1st: frequently asked questions

Is Act 1st a good credit union?

Act 1st earns a Bankzia Trust Grade of C (79/100, "Average"), based on a financial-strength score of 79/100 (it has no CFPB complaints on record). Well-capitalized (7.8% capital ratio); Profitable (ROA 0.47%).

Is Act 1st NCUA-insured?

Yes. Act 1st is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Act 1st?

Act 1st holds $150 million in total assets, ranking 58th of 61 credit unions we track in Maryland. It serves 12,048 members.

Does Act 1st have CFPB complaints?

No CFPB complaints against Act 1st appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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