Washington County Teachers
Hagerstown, MD · Charter 6353 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$96.5MAssets
$30.8MLoans
$81.6MShares
$14.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of credit unions under $1B in assets (rank 116 of 1682).
- Widest gap: net interest margin trails 96% of credit unions under $1B in assets (rank 1620 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.18%
Rank 421 of 1,683
Net Interest Margin
2.45%
Rank 1,620 of 1,683
Efficiency Ratio
55.26%
Rank 116 of 1,682
Equity / Assets
15.33%
Rank 515 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.35% | 0.74% | 1.18% | Beats 75% | 421 / 1,683 | | |
| Return on Equity | 7.69% | 2.67% | 5.89% | 8.74% | Beats 67% | 556 / 1,681 | | |
| Net Interest Margin | 2.45% | 3.31% | 3.82% | 4.32% | Beats 4% | 1,620 / 1,683 | | |
| Efficiency Ratio | 55.26% | 68.91% | 78.20% | 86.93% | Beats 93% | 116 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 83% | 292 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.33% | 10.44% | 12.89% | 16.53% | Beats 69% | 515 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.33% | 10.44% | 12.89% | 16.53% | Beats 69% | 515 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 37.76% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,523 / 1,683 | | |
| Loans / Assets | 31.94% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,523 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |