# WASHINGTON COUNTY TEACHERS
HAGERSTOWN, MD · NCUA charter 6353 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/washington-county-teachers-6353

Who the members are: federal charter, multiple common bond, organized 1949. 4,475 members of 12,000 potential (37.3% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $96.0M |
| Members | 4,475 (0.7% YoY) |
| Full-time staff | 9 |
| Net worth | $14.5M |
| Net worth ratio | 15.1% (p70 of band) |
| ROA (annualized) | 1.16% (p73 of band) |
| Total delinquency | 0.09% (p11 of band) |
| Net charge-offs (annualized) | 0.06% (p26 of band) |
| Loans / shares | 38% (p12 of band) |
| Cash / assets | 65.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.42% (p4 of band) |
| Operating expense / assets | 1.45% (p2 of band) |
| Vehicles % of loans | 52% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.14% (p20 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 3% |
| Average share balance | $10,880 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $20,994 |
| Loans granted, annualized | $9.2M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 1 | delinquency 2x band |  |
| 2016-12 | 1 | net worth falling | delinquency 2x band |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 1 |  | losing money |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 3 | losing money | delinquency rising |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 | delinquency rising | net worth falling, losing money |
| 2021-12 | 0 |  | delinquency rising |
| 2022-03 | 2 | net worth falling, losing money |  |
| 2022-06 | 1 |  | losing money |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising, assets shrinking |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | margin squeeze |  |
| 2025-06 | 0 |  | margin squeeze |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-01-31 [Hagerstown man convicted of robbing credit union sentenced to 14 years - The Herald-Mail](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQVlpVSU4zUmctNzJlSk9hYmFHd180Y0V6eVl2V2NPY1R5VTR2NGF6VHliNVg2YVR3UElxR2VlVUJWTzNqRUJBM1Y4U0t2eXYwZTh5c0ZtYnlfd1VpSjNvS1R3NTA3SjBGTXI4Slg2bHMwbjZuSjY0aUVETFlSbnNfTGw0NnhnSWRNaG1OZWc2MVpEdzBIRlBreUQzUUJyTEFPT3A5ODN1NUFTX1VrcXR6cDlhekIwOUVBQXM3d3RMNzZyaHBmVzdkdnZ2dVRvQ0FkNGNGVU5LSkE?oc=5) · The Herald-Mail
- 2012-06-19 [Clyde Harrell Obituary (2012) - York, PA - York Daily Record - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOQ1picS00NlZqVFEzdHg3c1QwSlFUU0pzMVBOaU1ESXNiUTlsY2NSc2FDUVVSOHE4SE9lZFhHS1FRUXE4YjNDbUgtVXVJTW1pb1k5R2R0al9GQmdlVkNIYTVqb0l3MFZLMW5aeGlkS0tSQlJ5Tjd0S0l3N0cxWXotUDg0VTFuV1Yw?oc=5) · legacy.com
- 2022-10-22 [Dorothy Zinkand Obituary - The Herald-Mail](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5fRXNHOTFwU1lOdjJwcEw2UVhFQ3MzWjg5NUV1RkI5MnJkcTljN2JLSThIdi1meGxlTk5JMG9jQWt0R0tyVUlhbjVZdll2SGwwdGZlSDhHR3AxTDIyMUtwNEVLU18?oc=5) · The Herald-Mail
- 2017-11-02 [Stacey Kijowski Obituary (2017) - Hagerstown, MD - Minnich Funeral Home - Hagerstown - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNVm5MaGtIMkxGOUl1dThvQmllQWZMWUNVSnZFM2VsNkN6U0p4dXJnMW52Y3FVQmxZR1dJUHJuS1FGanRDTU02UDdBZlFPbllLc1dCUGpoYWY1a19QNi1HbWFsc0hUUjFOd0V6SGtNcXBPVjZVV0UxbS1ZOWR3aXJTbWYyNkpQMzQ?oc=5) · legacy.com
- 2013-11-01 [Hagerstown man sentenced in robbery of credit union that he previously robbed - The Herald-Mail](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQdElJU2ZKVEVQTUc1LXlnYWZpRkpUWXRaQy1IS0dhQWFiWWxGTV9NcXR3eGh0alpHMTNoMEF0eUdEQm4tVk5UUDItemc1TkNjYk5rbDR2ZDI4NEFrbHpQcnp2RHowcEkzNDd1ZFIwck54aFZmSXRVOHhtVl85eGh5ZGxUeEJlNEpjWDkwa29NOGdLa2d2SmlRNU5FTncxTy1MeHJobm53djdwcDN3RkFSQUF6b2s3TWdtam5PT2xadGR2OVV2bHI0aHZVU3FRbHBPQ0JuUUtVSUw0ZzBmRzNfcg?oc=5) · The Herald-Mail
- 2008-06-03 [Mildred Lucille McCoy - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPUWpsT1pyaFN4NXJsX0VINVI4OU12a04wdjBoX2xkeVVLLVI4UW1zZ3lHQ2JPLWhzUldZN2NZbFBybUFXTFVqVS0tUzlVa0FqZ2xHV1R4VlhZZUI2NjB2RzZhMnFuWFFBZUd4czUwdldGTnlhQlpVa3BsT3dBSGFFT2xFNGE0TDRKUDB3Yi01aEw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6353 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/17.json (key "6353", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=6353
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide