Sep, 30, 2025 — WASHINGTON COUNTY TEACHERS FEDERAL CREDIT UNION is a federal credit union headquartered in HAGERSTOWN, MD with 3 branch locations and about $93.01 million in total assets. Opened 77 years ago in 1949, WASHINGTON COUNTY TEACHERS FEDERAL CREDIT UNION has about 4,461 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WASHINGTON COUNTY TEACHERS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 19638 Leitersburg Pike HAGERSTOWN, MD 21742 |
| Phone: | (301) 790-3131 |
| Fax: | (301) 733-2467 |
| Website: | https://www.wctfcu.net |
| Branches: | 3 branch locations |
| Members: | 4,461 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6353 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $93,007,573 |
| CEO/Manager: | Steve Ebersole |
| Chairperson: | Robert Alton |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 34,961,693 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 12,655,774 |
| Unsecured Loans | 1,064,170 |
| Other Loans | 17,560,391 |
| TOTAL LOANS | 31,280,334 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -32,828 |
| Land And Building | 1,056,616 |
| Other Fixed Assets | 99,714 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 712,580 |
| All Other Assets | 0 |
| TOTAL ASSETS | 93,007,573 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 108,858 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 9,877,106 |
| Regular shares | 51,407,447 |
| All Other Shares & Deposits | 17,637,571 |
| TOTAL SHARES & DEPOSITS | 78,922,124 |
| TOTAL LIABILITIES | 79,030,982 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 13,976,591 |
| TOTAL EQUITY | 13,976,591 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 93,007,573 |
| INCOME & EXPENSE | |
| Loan Income | 1,048,511 |
| Investment Income | 1,693,578 |
| Other Income | 134,093 |
| Total Employee Compensation & Benefits | 494,441 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 552,903 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 4,000 |
| Cost of Funds | 1,112,040 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 717,957 |
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