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 0.36% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 2.5% in tier
- + Total Deposits: Top 3.0% in tier
- + Average Member Relationship (AMR): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,461
+1.0% YoY+0.3% QoQ
|
+1.8K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$93.0M
+8.5% YoY+1.8% QoQ
|
+$63.2M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 2.5% in tier |
| Loans |
$31.3M
+0.9% YoY+0.9% QoQ
|
+$15.5M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$78.9M
+9.0% YoY+1.8% QoQ
|
+$53.5M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 3.0% in tier |
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| ROA |
1.0%
-24.5% YoY+12.4% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
63% |
| NIM |
2.4%
-8.8% YoY+4.7% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio |
59.2%
+11.7% YoY-4.9% QoQ
|
-22.2% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.9% in tier |
| Delinquency Rate |
0.4%
-29.0% YoY+211.3% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
39.6%
-7.4% YoY-0.9% QoQ
|
-21.6% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$24,704
+5.6% YoY+1.2% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Top 8.5% in tier |
| CD Concentration |
3.2%
-26.4% YoY+0.5% QoQ
|
-21.2% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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)