Side-by-side · Q2 2026 data
Middletown Valley Bank 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 | Middletown Valley Bank | Washington County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 92 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 96 (stronger) | 95 |
| Earnings | 38 | 67 (stronger) |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 30th | 92nd |
| Total assets | $1.2B | $96.5M |
| Deposits / shares | $1.1B | $81.6M |
| Capital ratio | 9.18% | 15.33% (stronger) |
| Problem loans | 0.12% (stronger) | 0.15% |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 0.45% | 1.18% (stronger) |
| Loans ÷ deposits | 89.6% | 37.8% (stronger) |
| Uninsured deposits | 23.2% | 4.7% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | — |
Washington County Teachers Federal Credit Union has the higher TellerScore (92 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Middletown Valley Bank leads on 2 and Washington County Teachers Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.