Federal credit union · HAGERSTOWN, Maryland · NCUA charter #6353
Washington County Teachers
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $92.5M
- Total assets
- 4,466
- Members
- 15.4%
- Net-worth ratio
Washington County Teachers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6353, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Washington County Teachers - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)64
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.37% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.37% | 30% |
| Delinquency Rate | 0.15% | 25% |
| Return on Assets | 1.18% | 15% |
| Member Growth | 0.77% | 15% |
| Loan-to-Share Ratio | 39.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $92.5M | 4,466 |
| 2024Q4 | $87.0M | 4,432 |
| 2023Q4 | $85.5M | 4,362 |
Credit Union Details
- Charter Number
- 6353
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Maryland
- City
- HAGERSTOWN
- Data Quarter
- 2025Q4
What This Data Says About Washington County Teachers
4,466 members and $92.5M in total assets sit behind Washington County Teachers, a federal credit union in HAGERSTOWN, Maryland, which posts a health score of 89/100 (Excellent) on the five-factor composite, with $31.0M in outstanding loans as of Q4 2025 and a net worth ratio of 15.37% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #6353 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.15% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 39.67% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.18% on net income of $1.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.77%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Washington County Teachers financially healthy?
Washington County Teachers scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.37% net worth ratio and a 0.15% delinquency rate.
How does Washington County Teachers compare to other credit unions?
89/100 is Washington County Teachers's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 County Teachers?
Washington County 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 County Teachers directly for the exact boundaries and application steps.
Is my money safe at Washington County Teachers?
Federal credit unions like Washington County 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 County Teachers's net worth ratio of 15.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Washington County Teachers offer compared to banks?
Credit unions like Washington County 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 County Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.