WASHINGTON AREA TEACHERS
Charter #13035 · Washington, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Efficiency ratio of 69.42% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 52nd — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WASHINGTON AREA TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $81.17M | 70th pct | 61th pct |
| Members | 3,341 | 15th pct | 26th pct |
| Net worth ratio | 11.62% | 37th pct | 52th pct |
| Return on average assets | 0.94% | 64th pct | 69th pct |
| Net interest margin | 3.15% | 22th pct | 31th pct |
| Cost of funds | 0.81% | 42th pct | 48th pct |
| Loan-to-share | 44.46% | 21th pct | 30th pct |
| Delinquency 60+ days | 0.33% | 31th pct | 33th pct |
| Net charge-off ratio | 0.39% | 63th pct | 69th pct |
| Loan growth YoY | 2.59% | 83th pct | 72th pct |
| Share growth YoY | 5.65% | 79th pct | 79th pct |
| Efficiency ratio | 69.42% | 25th pct | 21th pct |
structural peer set hash: c2bc2a8cb8a67f4a40c02a94cfc8fbca… (reproducible)
Closest structural peers
This is the free public view
Claim WASHINGTON AREA TEACHERS
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.