Side-by-side · Q2 2026 data
Potomac 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 | Potomac Bank | Washington County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 92 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 97 (stronger) | 95 |
| Earnings | 76 (stronger) | 67 |
| Funding & liquidity | 59 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 53rd | 92nd |
| Total assets | $980.2M | $96.5M |
| Deposits / shares | $847.9M | $81.6M |
| Capital ratio | 9.85% | 15.33% (stronger) |
| Problem loans | 0.08% (stronger) | 0.15% |
| Net charge-offs | 0.07% | 0.02% (stronger) |
| Return on assets | 1.40% (stronger) | 1.18% |
| Loans ÷ deposits | 90.5% | 37.8% (stronger) |
| Uninsured deposits | 24.5% | 4.7% (stronger) |
| Offices | 9 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | — |
Washington County Teachers Federal Credit Union has the higher TellerScore (92 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Potomac 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.