Washington County Teachers Federal Credit Union (NCUA charter #6353) is based in Hagerstown, Maryland. Its Q2 2026 call report shows $96.5M in total assets and $81.6M in member shares and deposits and 3 offices.
Washington County Teachers Federal Credit Union has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 3rd. Capital cushion contributes the most (100/100, 15.33%); earnings contributes the least (67/100, 1.18%).
TellerScore · Q2 2026
Scorecard
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 rose 2 points (90 → 92), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 90 |
| Q4 2024 | 91 |
| Q1 2025 | 87 |
| Q2 2025 | 90 |
| Q3 2025 | 89 |
| Q4 2025 | 91 |
| Q1 2026 | 92 |
| Q2 2026 | 92 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.76% |
| Q3 2024 | 15.23% |
| Q4 2024 | 15.25% |
| Q1 2025 | 14.88% |
| Q2 2025 | 14.96% |
| Q3 2025 | 15.03% |
| Q4 2025 | 15.37% |
| Q1 2026 | 15.11% |
| Q2 2026 | 15.33% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.57% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.13% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.15% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.26% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.92% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 92 | $96.5M | 15.33% | 0.15% | 1.18% | 37.8% |
| Q1 2026 | 92 | $96.0M | 15.11% | 0.09% | 1.16% | 37.7% |
| Q4 2025 | 91 | $92.5M | 15.37% | 0.15% | 1.04% | 39.7% |
| Q3 2025 | 89 | $93.0M | 15.03% | 0.40% | 1.03% | 39.6% |
| Q2 2025 | 90 | $91.4M | 14.96% | 0.13% | 0.92% | 40.0% |
| Q1 2025 | 87 | $90.0M | 14.88% | 0.14% | 0.63% | 40.4% |
| Q4 2024 | 91 | $87.0M | 15.25% | 0.29% | 1.26% | 42.2% |
| Q3 2024 | 90 | $85.7M | 15.23% | 0.57% | 1.38% | 42.8% |
| Q2 2024 | 92 | $86.4M | 14.76% | 0.23% | 1.37% | 41.3% |
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).
Similar-size credit unions in Maryland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Transit Employees Federal Credit UnionCredit union Greenbelt, MD | 72 out of 100, Strong | $93.4M | 19.4% | 1.21% | vs |
| Fedfinancial Federal Credit UnionCredit union Silver Spring, MD | 63 out of 100, Moderate | $76.8M | 9.0% | 0.82% | vs |
| Destinations Credit UnionCredit union Baltimore, MD | 79 out of 100, Strong | $65.4M | 13.8% | 0.48% | vs |
| Five Star of Maryland Federal Credit UnionCredit union Baltimore, MD | 78 out of 100, Strong | $62.7M | 12.7% | 0.20% | vs |
| Lm Federal Credit UnionCredit union Baltimore, MD | 83 out of 100, Strong | $60.3M | 12.4% | 0.14% | vs |
| Census Federal Credit UnionCredit union Suitland, MD | 90 out of 100, Very strong | $48.9M | 20.6% | 0.38% | vs |
Deposit insurance
Is my money safe at Washington County Teachers Federal Credit Union?
Yes. Washington County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #6353). 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 4.7% of shares and deposits ($3.8M) 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 15.33%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Washington County Teachers Federal Credit Union lists 3 offices in 2 cities. Most locations:
- Hagerstown, MD (2)
- Williamsport, MD (1)
Identity & history
Profile
- Legal name
- Washington County Teachers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6353
- RSSD ID
- 847782
- Primary regulator
- NCUA
- Established
- 1949
- Headquarters
- 19638 Leitersburg Pike, Suite 100, Hagerstown, MD 21742
- Employees
- 9
Quick answers
Washington County Teachers Federal Credit Union: common questions
Is Washington County Teachers Federal Credit Union NCUA insured?
Yes. Washington County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #6353). 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 Washington County Teachers Federal Credit Union's TellerScore?
92 out of 100 (Very strong), 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 Washington County Teachers Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Hagerstown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ferko Md Federal Credit UnionCredit union Frederick, MD | 94 out of 100, Very strong | $30.1M | 19.4% | 0.58% | vs |
| Martinsburg V.A. Center Federal Credit UnionCredit union Kearneysville, WV | 92 out of 100, Very strong | $17.1M | 13.9% | 0.32% | vs |
| 1st Ed Credit UnionCredit union Chambersburg, PA | 83 out of 100, Strong | $138.2M | 15.9% | 0.50% | vs |
| Eastern Panhandle Federal Credit UnionCredit union Martinsburg, WV | 83 out of 100, Strong | $18.8M | 12.2% | 0.16% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| 167th Tfr Federal Credit UnionCredit union Martinsburg, WV | 78 out of 100, Strong | $72.5M | 10.7% | 0.44% | vs |