Lavale, MD · Federal Credit Union · Chartered in MD
Who can join
Employer / occupational group
Members
12,048
Net Worth Ratio
7.78%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$150.3M
Total Shares
$138.2M
Total Loans
$106.3M
Net Worth Ratio
7.78%
≥7% = Well Capitalized
Members
12,048
Delinquency Rate (60d+)
0.47%
$497K
Loan-to-share ratio: 76.9%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 48 | 40 | 5 | 83.3% | 10.4% |
| 2022 | 69 | 59 | 8 | 85.5% | 11.6% |
| 2021 | 55 | 38 | 11 | 69.1% | 20.0% |
No CFPB complaint data available for this credit union.
ACT 1st Federal Credit Union - LaVale
14316 National Hwy SW, LaVale, MD, 21502
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
Messick
11905 Messick Rd SE, Cumberland, MD, 21502-8714
Lobby: Monday - Friday: 9:00 am to 5:00 pm Saturday: Closed Drive-Thru: Monday - Friday: 9:00 am to 5:00 pm Saturday: Closed
Romney
555 W Main St, Romney, WV, 26757-1532
Lobby: Monday -Friday: 9:00 am to 5:00 pm Drive-Up: Monday - Friday: 9:00 am to 5:00 pm Saturday: 9:00 am to 1:00 pm
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<a href="https://bankscorer.com/credit-union/act-1st" target="_blank" rel="noopener">View ACT 1ST on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.