Side-by-side · Q2 2026 data
Washington County Teachers Federal Credit Union vs Ferko Md Federal Credit Union
Credit union
Washington County Teachers Federal Credit Union
Hagerstown, Maryland · Under $100 million in assets
Credit union
Ferko Md Federal Credit Union
Frederick, Maryland · Under $100 million in assets
Metric by metric
| Measure | Washington County Teachers Federal Credit Union | Ferko Md Federal Credit Union |
|---|---|---|
| TellerScore | 92 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 81 |
| Earnings | 67 | 97 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 92nd | 95th |
| Total assets | $96.5M | $30.1M |
| Deposits / shares | $81.6M | $24.2M |
| Capital ratio | 15.33% | 19.44% (stronger) |
| Problem loans | 0.15% (stronger) | 0.58% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.18% | 1.93% (stronger) |
| Loans ÷ deposits | 37.8% (stronger) | 45.3% |
| Uninsured deposits | 4.7% | 0.1% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ferko Md Federal Credit Union has the higher TellerScore (94 vs 92). On the 7 directional measures above (where higher or lower is clearly better), Washington County Teachers Federal Credit Union leads on 2 and Ferko Md Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.