BlastPoint's Credit Union Scorecard
WASHINGTON COUNTY TEACHERS
Charter #6353 · MD
WASHINGTON COUNTY TEACHERS has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 1.1% in tier
- + Total Deposits: Top 2.1% in tier
- + Efficiency Ratio: Top 7.4% in tier
- + Average Member Relationship (AMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Net Interest Margin (NIM): Bottom 6.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits +5.3% year over year ($81.6M in shares and deposits).
- Membership: 4,478 members, +0.7% vs a year ago.
- Delinquency rate 0.15%.
- Return on assets 1.18%.
- Efficiency ratio 55.33% vs a 88.77% peer average.
- Loan-to-share ratio 37.76% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,478
+0.7% YoY+0.1% QoQ
|
+1.9K |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$96.5M
+5.6% YoY+0.5% QoQ
|
+$66.2M |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Top 1.2% in tier |
| Loans |
$30.8M
-0.6% YoY+0.5% QoQ
|
+$15.4M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$81.6M
+5.3% YoY+0.3% QoQ
|
+$55.8M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Top 2.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
+27.9% YoY+1.9% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
2.5%
+9.2% YoY+1.5% QoQ
|
-1.4% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.4% in tier |
| Efficiency Ratio |
55.3%
-11.1% YoY-0.5% QoQ
|
-33.4% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Top 7.4% in tier |
| Delinquency Rate |
0.1%
+15.0% YoY+65.7% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
37.8%
-5.6% YoY+0.2% QoQ
|
-21.1% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$25,109
+2.9% YoY+0.3% QoQ
|
+$10K |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Top 8.9% in tier |
| CD Concentration |
3.0%
-4.2% YoY-0.9% QoQ
|
-21.5% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)