BlastPoint's Credit Union Scorecard
WASHINGTON COUNTY TEACHERS
Charter #6353 · MD
WASHINGTON COUNTY TEACHERS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.01% above tier average
- + Total Assets: Top 1.1% in tier
- + Total Deposits: Top 2.3% in tier
- + Efficiency Ratio: Top 8.1% in tier
- + Average Member Relationship (AMR): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,475
+0.7% YoY+0.2% QoQ
|
+1.8K |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
83% |
| Assets |
$96.0M
+6.6% YoY+3.7% QoQ
|
+$65.8M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
Top 1.2% in tier |
| Loans |
$30.7M
-0.6% YoY-1.1% QoQ
|
+$15.4M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$81.4M
+6.5% YoY+4.1% QoQ
|
+$55.6M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
Top 2.3% in tier |
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| ROA |
1.2%
+80.7% YoY+11.4% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
2.4%
+18.4% YoY+3.0% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.9% in tier |
| Efficiency Ratio |
55.6%
-22.1% YoY-5.8% QoQ
|
-35.0% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
0.1%
-33.9% YoY-39.8% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
21% |
| Loan To Share |
37.7%
-6.7% YoY-5.0% QoQ
|
-20.8% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
19% |
| AMR |
$25,037
+3.7% YoY+2.4% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
Top 8.5% in tier |
| CD Concentration |
3.1%
-13.9% YoY-5.5% QoQ
|
-21.2% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)