Federal credit union · Laurel, Maryland · NCUA charter #16268
W S S C
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $34.7M
- Total assets
- 3,306
- Members
- 10.2%
- Net-worth ratio
W S S C scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.7M; members 3,306; net-worth ratio 10.24%; health rank #3,195 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,195 of 4,374 health · 2025Q4W S S C · health 76/100 · $34.7M · 2025Q4
Call Report peers
W S S C in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
W S S C vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); W S S C sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
W S S C: Call Report deltas vs peers
- Largest lag: Net Worth Ratio at 10.24% vs peer 14.86% (-4.62 pp).
Where W S S C sits in Maryland
- Health composite ranks #42 of 62 among scored Maryland credit unions.
- Assets rank #43 of 62 inside Maryland ($34.7M reported).
- Member book place in Maryland: #43 of 62.
- One place up in Maryland, Five Star of Maryland (#41) ties at 76/100; one place down, National Institutes of Health (#43) scores 75/100, 1 point lower.
W S S C: 2025Q4 → 2026Q1
W S S C: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $34.7M (2025Q4) to $35.0M (2026Q1).
- Net-worth ratio shifted -0.18 pp (10.42% → 10.24%).
This credit union's 10.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
W S S C gives up 24 points in total. Delinquency Rate costs the most, 10.2 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.8 pts
- Return on Assets 13.8 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 12.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.24% | -4.62 pp |
| Delinquency Rate | 1.70% | +0.55 pp |
| Return on Assets | 0.42% | -0.28 pp |
| Member Growth | -2.10% | - |
| Loan-to-Share Ratio | 59.54% | -0.26 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
W S S C quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.0M | - |
| 2025Q4 | $34.7M | 3,306 |
| 2024Q4 | $34.2M | 3,377 |
| 2023Q4 | $34.4M | 3,462 |
Credit Union Details
- Charter Number
- 16268
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- Laurel
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for W S S C, spread across 5 cities in 4 states.
| Office | City |
|---|---|
| WSSC FCU (Main Office) | Laurel, MD |
| Sharetec Systems - Unysis | Eagan, MN |
| Reid Temple Branch | Glenn Dale, MD |
| WSSC FCU Headquarters | Laurel, MD |
| CO-OP Shared Branching | Rancho Cucamonga, CA |
| Sharetec Systems - Involta | Youngstown, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
W S S C nationwide neighbourhoods
Using this data
- W S S C ranks #3,195 of 4,374 nationally on financial health and #42 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I B E W 26 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I B E W 26
Frequently Asked Questions
Is W S S C financially healthy?
W S S C has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,195 of 4,374 nationally on health and #42 of 62 in Maryland. Its net worth ratio is 10.24% and its delinquency rate 1.70%.
How does W S S C compare to other credit unions?
W S S C scores 76/100, higher than 26% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (10.24% vs 14.86%).
How can I join W S S C?
W S S C operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact W S S C directly for the exact boundaries and application steps.
Is my money safe at W S S C?
W S S C is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. W S S C's net worth ratio of 10.24% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.