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
NCUA 5300 Call Report Masthead
#1,462 of 4,374 health · 2025Q4Washington Area Teachers · health 88/100 · $78.4M · 2025Q4
- ROA 88/100
- ASSETS 11.6%
- MEM 0.44%
- RANK 1.35%
- PHOTO $78.4M
- BOOK 3,333
- CHARTER #1,462/4,374
- NCUSIF B-M S
- CAMELS 13035
Washington Area Teachers in the assets neighbourhood
Washington Area Teachers's $78.4M assets sit next to B-M S ($78.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Washington Area Teachers vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Washington Area Teachers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13035, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Washington Area Teachers: 2025Q4 → 2026Q1
Washington Area Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $78.4M (2025Q4) to $81.2M (2026Q1).
- Net-worth ratio shifted -0.18 pp (11.80% → 11.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for Washington Area Teachers - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($78.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Washington Area Teachers financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Washington Area Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,462 of 4,374; by total assets it ranks #2,035 of 4,374 nationally (same basis as /rankings/largest); and #96 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.62% net worth ratio and 0.44% delinquency rate are the key drivers.
How does Washington Area Teachers compare to other credit unions?
Washington Area Teachers scores 88/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Washington Area Teachers are 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."
What rates does Washington Area Teachers offer compared to banks?
Credit unions like Washington Area Teachers are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Washington Area Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.