Washington Area Teachers

Washington, PA · 1 · Charter #13035 · www.watfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$78.4M
29th percentile
Members
3,333
7th percentile
Total loans
$32.0M
17th percentile
Total shares
$69.6M
33th percentile

Profitability

Return on assets
1.17%
59th percentile
Net interest margin
3.29%
30th percentile
Efficiency ratio
58.56%
63th percentile
Non-interest income ratio
11.02%
20th percentile

Capital & Risk

Net worth ratio
11.80%
44th percentile
Delinquency rate
0.44%
70th percentile
Net charge-off rate
0.08%
86th percentile
Loan-to-share
46.06%
15th percentile

Growth

Member growth YoY
-0.39%
52th percentile
Asset growth YoY
5.20%
62th percentile
Loan growth YoY
11.67%
90th percentile
Share growth YoY
3.56%
52th percentile

Operations

Members / branch
3,333
55th percentile
Assets / member
$23,509
92th percentile
Field of membership penetration
33.33%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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