Side-by-side · Q2 2026 data
Woodsboro 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 | Woodsboro Bank | Washington County Teachers Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 92 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 97 (stronger) | 95 |
| Earnings | 65 | 67 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 43rd | 92nd |
| Total assets | $483.3M | $96.5M |
| Deposits / shares | $445.9M | $81.6M |
| Capital ratio | 8.77% | 15.33% (stronger) |
| Problem loans | 0.09% (stronger) | 0.15% |
| Net charge-offs | -0.02% (stronger) | 0.02% |
| Return on assets | 1.11% | 1.18% (stronger) |
| Loans ÷ deposits | 76.2% | 37.8% (stronger) |
| Uninsured deposits | 24.1% | 4.7% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
Washington County Teachers Federal Credit Union has the higher TellerScore (92 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Woodsboro 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.