Side-by-side · Q2 2026 data
Lm Federal Credit Union vs Washington County Teachers Federal Credit Union
Credit union
Washington County Teachers Federal Credit Union
Hagerstown, Maryland · Under $100 million in assets
Metric by metric
| Measure | Lm Federal Credit Union | Washington County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 92 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 95 | 95 |
| Earnings | 76 (stronger) | 67 |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 72nd | 92nd |
| Total assets | $60.3M | $96.5M |
| Deposits / shares | $52.5M | $81.6M |
| Capital ratio | 12.40% | 15.33% (stronger) |
| Problem loans | 0.14% (stronger) | 0.15% |
| Net charge-offs | 0.07% | 0.02% (stronger) |
| Return on assets | 1.41% (stronger) | 1.18% |
| Loans ÷ deposits | 80.4% | 37.8% (stronger) |
| Uninsured deposits | 6.7% | 4.7% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Washington County Teachers Federal Credit Union has the higher TellerScore (92 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Lm Federal Credit Union leads on 2 and Washington County Teachers Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.