Credit union · NCUA insured
WEPCO Federal Credit Union
Top CarrotA $397.3M credit union headquartered in Bloomington, MD, with 42,117 members and 7 branches in 2 states. Best rates: CDs 4.06% and savings 1.00% APY.
WEPCO Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#2 of 10 in Cumberland, MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WEPCO Federal Credit Union
- Headquarters
- 204 North Branch Avenue, Bloomington, MD 21523
- NCUA charter
- 6685
Branches
7 branches in 2 states
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Maryland
5 branches
Cumberland area · 3
- Oldtown Rd Branch1101 E Oldtown Rd, Cumberland, MD 21502Directions
- Paca Branch215 Paca St, Cumberland, MD 21502Directions
- Wepco - LaVale Branch12511 Winchester Rd SW, La Vale, MD 21502Directions
Bloomington area · 1
- Bloomington BranchMain office204 North Branch Avenue, Bloomington, MD 21523Directions
Oakland area · 1
- Oakland Branch12826 Garrett Hwy, Oakland, MD 21550Directions
West Virginia
2 branches
Cumberland area · 1
- Keyser Branch459 New Creek Hwy, Keyser, WV 26726Directions
Morgantown area · 1
- Kingwood Loan Production Office202 W Main St, Kingwood, WV 26537Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.46% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.98% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.69% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio15.46%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.98%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.69%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of WEPCO Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.