Side-by-side · Q2 2026 data
Washington County Teachers Federal Credit Union vs Patriot Federal Credit Union
Credit union
Washington County Teachers Federal Credit Union
Hagerstown, Maryland · Under $100 million in assets
Metric by metric
| Measure | Washington County Teachers Federal Credit Union | Patriot Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 95 (stronger) | 91 |
| Earnings | 67 (stronger) | 63 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 92nd | 79th |
| Total assets | $96.5M | $1.3B |
| Deposits / shares | $81.6M | $1.2B |
| Capital ratio | 15.33% (stronger) | 11.49% |
| Problem loans | 0.15% (stronger) | 0.26% |
| Net charge-offs | 0.02% (stronger) | 0.29% |
| Return on assets | 1.18% (stronger) | 1.07% |
| Loans ÷ deposits | 37.8% (stronger) | 82.1% |
| Uninsured deposits | 4.7% (stronger) | 11.9% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Washington County Teachers Federal Credit Union has the higher TellerScore (92 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Washington County Teachers Federal Credit Union leads on 7 and Patriot Federal Credit Union on 0. 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.