Washington County Teachers vs Ferko Md
Comparing a Credit Union in Hagerstown, MD with a Credit Union in Frederick, MD using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Washington County Teachers ↗ Credit Union · Hagerstown, MD · Est. 1949 | Ferko Md ↗ Credit Union · Frederick, MD · Est. 1955 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Hagerstown, MD | Frederick, MD |
| Total assets | $96.0M | $29.9M |
| Net worth ratio | 15.1% | 19.2% |
| Return on assets | 1.2% | 2.1% |
| Shares & deposits | — | — |
| Members | 4,475 | 3,035 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 61 | #6 of 61 |
| Established | 1949 | 1955 |
Washington County Teachers
- Assets: $96.0M
- Members: 4,475
- Capital ratio: 15.1%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #3 of 61
Ferko Md
- Assets: $29.9M
- Members: 3,035
- Capital ratio: 19.2%
- Return on assets: 2.1%
- CFPB complaints: 0
- State rank: #6 of 61
Are both institutions federally insured?
Yes. Washington County Teachers is NCUA-insured and Ferko Md is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Washington County Teachers or Ferko Md?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Washington County Teachers scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Washington County Teachers safe?
Yes — Washington County Teachers is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Ferko Md safe?
Yes — Ferko Md is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Washington County Teachers vs Ferko Md?
Washington County Teachers has a net worth ratio of 15.1%, placing it in the top 44% of <$100M peers. Ferko Md's ratio is 19.2%, placing it in the top 25% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Washington County Teachers have compared to Ferko Md?
The CFPB database shows 0 complaints against Washington County Teachers, and 0 complaints against Ferko Md. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Washington County Teachers with other Credit Unions in Maryland
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
