Federal credit union · HAGERSTOWN, Maryland · NCUA charter #6353
Washington County Teachers
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $92.5M
- Total assets
- 4,466
- Members
- 15.1%
- Net-worth ratio
Washington County Teachers scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.5M; members 4,466; net-worth ratio 15.11%; health rank #1,214 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,214 of 4,374 health · 2025Q4Washington County Teachers · health 89/100 · $92.5M · 2025Q4
Call Report peers
Washington County Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Washington County Teachers vs every NCUA-scored credit union
Washington County Teachers sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Washington County Teachers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +1.49 pp (15.11% vs 13.62%).
- Loan-to-Share Ratio trails the peer set - 39.67% here, 62.60% peer average (-22.93 pp).
Maryland standing for Washington County Teachers
- In Maryland, health place is #14 of 62 on the same NCUA-ratio sort used nationally.
- By total assets, Washington County Teachers is #36 of 62 in Maryland.
- Maryland membership ordinal: #38 of 62.
- One place up in Maryland, WEPCO (#13) scores 90/100, 1 point higher; one place down, TOWER (#15) scores 88/100, 1 point lower.
Washington County Teachers Call Report trajectory
Washington County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $92.5M (2025Q4) to $96.0M (2026Q1).
- Net-worth ratio shifted -0.26 pp (15.37% → 15.11%).
15.11% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Washington County Teachers gives up 11 points in total. Loan-to-Share Ratio costs the most, 5.4 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 9.9 pts
- Loan-to-Share Ratio 9.1 pts
Call Report ratios for Washington County Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.11% | +1.49 pp |
| Delinquency Rate | 0.15% | -0.81 pp |
| Return on Assets | 1.18% | +0.53 pp |
| Member Growth | 0.77% | - |
| Loan-to-Share Ratio | 39.67% | -22.93 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $96.0M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Washington County Teachers runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Hagerstown, MD |
| CES | Hagerstown, MD |
| Williamsport | Williamsport, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
More federally-insured credit unions based in Maryland, ordered by peer group match and asset size.
Cross-state Call Report peers for Washington County Teachers
Using this data
- Washington County Teachers ranks #1,214 of 4,374 nationally on financial health and #14 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Transit Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Transit Employees
Frequently Asked Questions
Is Washington County Teachers financially healthy?
Washington County Teachers has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,214 of 4,374 nationally on health and #14 of 62 in Maryland. Its net worth ratio is 15.11% and its delinquency rate 0.15%.
How does Washington County Teachers compare to other credit unions?
Washington County Teachers scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (15.11% vs 13.62%). Its widest shortfall is loan-to-share ratio (39.67% vs 62.60%).
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?
Washington County 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 County Teachers's net worth ratio of 15.11% 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.