TellerScore

W S S C Federal Credit Union is a federal credit union headquartered in Laurel, Maryland, in business for about 62 years. At the end of Q2 2026 it reported $35.4M in total assets and $31.9M in member shares and deposits, with 4 offices across 3 states.

W S S C Federal Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 57th. Funding & liquidity contributes the most (99/100, 61% loans-to-deposits, 5% uninsured); earnings contributes the least (14/100, -0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.13%
Loan quality35/100
Loans 60+ days delinquent ÷ total loans: 1.95%
Earnings14/100
Return on assets (annualized): -0.16%
Funding & liquidity99/100
Loans ÷ shares: 61.4% · 5.0% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.64%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 12 points (62 → 50), mostly because the loan quality component weakened by 21 points.

TellerScore
405162Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202440
Q3 202450
Q4 202460
Q1 202561
Q2 202562
Q3 202553
Q4 202556
Q1 202648
Q2 202650
Net worth ratio
7.00%8.91%10.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.15%
Q3 202410.49%
Q4 202410.55%
Q1 202510.62%
Q2 202510.69%
Q3 202510.81%
Q4 202510.42%
Q1 202610.24%
Q2 202610.13%
Delinquent loans (60+ days)
1.32%2.23%3.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.14%
Q3 20242.41%
Q4 20241.44%
Q1 20251.32%
Q2 20251.33%
Q3 20252.24%
Q4 20251.70%
Q1 20262.16%
Q2 20261.95%
Return on assets
-0.18%0.12%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.06%
Q3 20240.29%
Q4 20240.43%
Q1 20250.35%
Q2 20250.36%
Q3 20250.31%
Q4 20250.24%
Q1 2026-0.18%
Q2 2026-0.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$35.4M10.13%1.95%-0.16%61.4%
Q1 202648$35.0M10.24%2.16%-0.18%58.9%
Q4 202556$34.7M10.42%1.70%0.24%59.5%
Q3 202553$34.4M10.81%2.24%0.31%59.2%
Q2 202562$34.5M10.69%1.33%0.36%60.4%
Q1 202561$34.3M10.62%1.32%0.35%61.0%
Q4 202460$34.2M10.55%1.44%0.43%62.4%
Q3 202450$34.0M10.49%2.41%0.29%64.0%
Q2 202440$34.2M10.15%3.14%-0.06%64.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.13%
17th
Problem loans1.95%
22nd
Net charge-offs1.32%
10th
Return on assets-0.16%
16th
Loans to deposits61.4%
46th
Uninsured deposits5.0%
21st
Loan-loss reserves0.00%
37th
Texas ratio10.6%
12th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Ferko Md Federal Credit UnionCredit union Frederick, MD94 out of 100, Very strong$30.1M19.4%0.58%vs
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None Suffer Lack Federal Credit UnionCredit union Suitland, MD99 out of 100, Very strong$27.9M20.1%0.12%vs
Howard County Education Federal Credit UnionCredit union Ellicott City, MD51 out of 100, Below average$25.0M11.1%2.76%vs
Thiokol Elkton Federal Credit UnionCredit union Elkton, MD83 out of 100, Strong$23.8M18.2%0.16%vs

Deposit insurance

Is my money safe at W S S C Federal Credit Union?

Yes. W S S C Federal Credit Union is a federally insured credit union (NCUA charter #16268). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.0% of shares and deposits ($1.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

W S S C Federal Credit Union lists 4 offices in 3 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
W S S C Federal Credit Union
Type
Federal credit union
NCUA charter #
16268
RSSD ID
899987
Primary regulator
NCUA
Established
1964
Headquarters
PO Box 1187, Laurel, MD 20707
Employees
9

Quick answers

W S S C Federal Credit Union: common questions

Is W S S C Federal Credit Union NCUA insured?

Yes. W S S C Federal Credit Union is a federally insured credit union (NCUA charter #16268). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is W S S C Federal Credit Union's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does W S S C Federal Credit Union have?

4 offices as of the latest NCUA data, in 3 states.

Nearby

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