PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Washington County Teachers

Hagerstown, MD · Charter 6353

NCUA · 3 branches

Q2 2026

$96.5MAssets
$30.8MLoans
$81.6MShares
$14.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.18%, up 26 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 0.15% of loans (+2 bps YoY).
  • Capital: net worth / assets of 15.33%, up 37 bps from a year ago.
  • Funding: loans stand at 37.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+26 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+22 bps YoY

Efficiency Ratio (YTD, annualized)

55.33%-692 bps YoY

Net Worth / Assets

15.33%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%1.03%1.04%1.16%1.18%+26 bps
Return on Equity6.13%6.85%6.78%7.67%7.69%+156 bps
Net Interest Margin2.23%2.34%2.36%2.42%2.45%+22 bps
Efficiency Ratio62.25%59.20%59.08%55.64%55.33%-692 bps
Growth
Asset Growth (YoY)5.76%8.54%6.39%6.60%5.57%-19 bps
Loan Growth (YoY)2.19%0.95%-0.06%-0.64%-0.61%-280 bps
Share Growth (YoY)5.38%9.02%6.22%6.47%5.30%-8 bps
Asset Quality
Delinquent Loans / Loans0.13%0.40%0.15%0.09%0.15%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.96%15.03%15.37%15.11%15.33%+37 bps
Net Worth / Assets14.96%15.03%15.37%15.11%15.33%+37 bps
Liquidity & Funding
Loans / Shares40.00%39.63%39.67%37.70%37.76%-225 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps