credit union

W S S C

Laurel, MD · Est. 1964
B
Trust Grade
Strong
Score: 82/100

W S S C is a credit union based in Laurel, Maryland, established in 1964, with $35 million in total assets serving 3,319 members. By Trust Grade it ranks 54th of 61 credit unions we track in Maryland. Its net worth ratio of 10.2% trails most similarly sized credit unions (19th percentile), versus a Maryland median of 11.9%. It posted a loss over the most recent period (-0.18% return on assets), a point to watch. No consumer complaints against W S S C appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$35.0M
<$100M institution
Members
3,319
Shares & deposits
—
Net worth ratio
10.2%
Bottom 19% of <$100M peers · Maryland median 11.9%
Return on assets
-0.2%
Bottom 18% of <$100M peers · Maryland median 0.49%
Rank in Maryland
#54
of 61 credit unions

How W S S C compares to Maryland peers

Net worth ratio
Bottom 19% of <$100M peers
W S
10.2%
Maryland median
11.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 18% of <$100M peers
W S
-0.2%
Maryland median
0.5%
Higher ROA = more profitable relative to asset base

How we graded W S S C

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
82/100
Customer experience
n/a
Overall
B · 82
  • Well-capitalized (10.2% capital ratio)
  • Unprofitable over the period (ROA -0.18%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for W S S C over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at W S S C insured?

Yes. W S S C is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

W S S C: frequently asked questions

Is W S S C a good credit union?

W S S C earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 82/100 (it has no CFPB complaints on record). Well-capitalized (10.2% capital ratio); Unprofitable over the period (ROA -0.18%).

Is W S S C NCUA-insured?

Yes. W S S C is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is W S S C?

W S S C holds $35 million in total assets, ranking 54th of 61 credit unions we track in Maryland. It serves 3,319 members.

Does W S S C have CFPB complaints?

No CFPB complaints against W S S C appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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