Side-by-side · Q2 2026 data
600 Atlantic Federal Credit Union vs Watertown Municipal Credit Union
Credit union
600 Atlantic Federal Credit Union
Boston, Massachusetts · Under $100 million in assets
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | 600 Atlantic Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 47 | 53 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 57th | 90th |
| Total assets | $39.1M | $9.7M |
| Deposits / shares | $33.7M | $6.0M |
| Capital ratio | 13.62% | 36.86% (stronger) |
| Problem loans | 0.77% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.69% | 0.82% (stronger) |
| Loans ÷ deposits | 59.7% | 52.1% (stronger) |
| Uninsured deposits | 20.2% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Municipal Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), 600 Atlantic Federal Credit Union leads on 1 and Watertown Municipal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.