Federal credit union · BLOOMINGTON, Maryland · NCUA charter #6685
WEPCO
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $380.3M
- Total assets
- 41,798
- Members
- 15.1%
- Net-worth ratio
WEPCO scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $380.3M; members 41,798; net-worth ratio 15.13%; health rank #1,068 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,068 of 4,374 health · 2025Q4WEPCO · health 90/100 · $380.3M · 2025Q4
Call Report peers
WEPCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WEPCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WEPCO sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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 WEPCO
- Loan-to-Share Ratio leads the peer set - 79.51% here, 72.20% peer average (+7.31 pp).
- Largest lag: Delinquency Rate at 1.13% vs peer 0.89% (+0.23 pp).
WEPCO in Maryland
- Health composite ranks #13 of 62 among scored Maryland credit unions.
- Maryland assets place: #24 of 62.
- Member book place in Maryland: #14 of 62.
- One place up in Maryland, CHESSIE (#12) scores 91/100, 1 point higher; one place down, Washington County Teachers (#14) scores 89/100, 1 point lower.
WEPCO Call Report trajectory
WEPCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $380.3M (2025Q4) to $397.3M (2026Q1).
- Net-worth ratio shifted -0.23 pp (15.36% → 15.13%).
At 15.13%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
WEPCO gives up 10 points in total. Delinquency Rate costs the most, 6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.13% | +3.02 pp |
| Delinquency Rate | 1.13% | +0.23 pp |
| Return on Assets | 1.64% | +1.01 pp |
| Member Growth | 1.83% | - |
| Loan-to-Share Ratio | 79.51% | +7.31 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
WEPCO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $397.3M | - |
| 2025Q4 | $380.3M | 41,798 |
| 2024Q4 | $373.7M | 41,045 |
| 2023Q4 | $338.1M | 39,763 |
Credit Union Details
- Charter Number
- 6685
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- BLOOMINGTON
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for WEPCO, spread across 6 cities in 2 states.
| Office | City |
|---|---|
| Bloomington Branch (Main Office) | Bloomington, MD |
| Oldtown Rd Branch | Cumberland, MD |
| Paca Branch | Cumberland, MD |
| Keyser Branch | Keyser, WV |
| Kingwood Loan Production Office | Kingwood, WV |
| Wepco - LaVale Branch | LaVale, MD |
| Oakland Branch | Oakland, MD |
| Oakland Drive-Thru | Oakland, 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 WEPCO
Using this data
- WEPCO ranks #1,068 of 4,374 nationally on financial health and #13 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Signal Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Signal Financial
Frequently Asked Questions
Is WEPCO financially healthy?
On its 2025Q4 NCUA 5300 filing, WEPCO scores 90/100 (Excellent), with a 15.13% net worth ratio and 1.13% of loans delinquent. It ranks #1,068 of 4,374 nationally on health and #13 of 62 in Maryland.
How does WEPCO compare to other credit unions?
WEPCO scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.51% vs 72.20%). Its widest shortfall is delinquency rate (1.13% vs 0.89%).
How can I join WEPCO?
WEPCO 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 WEPCO directly for the exact boundaries and application steps.
Is my money safe at WEPCO?
WEPCO 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. WEPCO's net worth ratio of 15.13% 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.