Federal credit union · Washington, Pennsylvania · NCUA charter #13035
Washington Area Teachers
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $78.4M
- Total assets
- 3,333
- Members
- 11.6%
- Net-worth ratio
Washington Area Teachers scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $78.4M; members 3,333; net-worth ratio 11.62%; health rank #1,462 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
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Washington Area Teachers vs every NCUA-scored credit union
Washington Area Teachers sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Washington Area Teachers diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Return on Assets: +0.69 pp (1.35% vs 0.66%).
- Largest lag: Loan-to-Share Ratio at 46.06% vs peer 62.60% (-16.54 pp).
Washington Area Teachers: in-state Call Report ranks
- Health composite ranks #66 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #96 of 275.
- Membership ranks #131 of 275 among Pennsylvania CUs with a reported count (3,333 members).
- One place up in Pennsylvania, Erie Firefighters (#65) ties at 88/100; one place down, New Castle Bellco (#67) ties at 88/100.
Washington Area Teachers: 2025Q4 → 2026Q1
Washington Area Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $78.4M (2025Q4) to $81.2M (2026Q1).
- Net-worth ratio shifted -0.18 pp (11.80% → 11.62%).
At 11.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Washington Area Teachers gives up 12 points in total. Member Growth costs the most, 6.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 9.7 pts
Washington Area Teachers health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.62% | -2.00 pp |
| Delinquency Rate | 0.44% | -0.53 pp |
| Return on Assets | 1.35% | +0.69 pp |
| Member Growth | -0.39% | - |
| Loan-to-Share Ratio | 46.06% | -16.54 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Washington Area Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $81.2M | - |
| 2025Q4 | $78.4M | 3,333 |
| 2024Q4 | $74.5M | 3,346 |
| 2023Q4 | $73.2M | 3,381 |
Credit Union Details
- Charter Number
- 13035
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Washington
- Data Quarter
- 2025Q4
Branch Location
Washington Area Teachers operates a single office in Washington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Washington Area Teachers FCU (Main Office) | Washington, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Cross-state Call Report peers for Washington Area Teachers
Similar total assets
Similar health score
Using this data
- Washington Area Teachers ranks #1,462 of 4,374 nationally on financial health and #66 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Armstrong Associates is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Armstrong Associates
Frequently Asked Questions
Is Washington Area Teachers financially healthy?
Washington Area Teachers has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,462 of 4,374 nationally on health and #66 of 275 in Pennsylvania. Its net worth ratio is 11.62% and its delinquency rate 0.44%.
How does Washington Area Teachers compare to other credit unions?
Washington Area Teachers scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is return on assets (1.35% vs 0.66%). Its widest shortfall is loan-to-share ratio (46.06% vs 62.60%).
How can I join Washington Area Teachers?
Washington Area Teachers 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 Washington Area Teachers directly for the exact boundaries and application steps.
Is my money safe at Washington Area Teachers?
Washington Area Teachers 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. Washington Area Teachers's net worth ratio of 11.62% 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.