Side-by-side · Q2 2026 data
Chelsea Employees Federal Credit Union vs Watertown Municipal Credit Union
Credit union
Chelsea Employees Federal Credit Union
Chelsea, Massachusetts · Under $100 million in assets
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Chelsea Employees Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 66 | 91 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 40 | 53 (stronger) |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 32nd | 90th |
| Total assets | $21.5M | $9.7M |
| Deposits / shares | $19.2M | $6.0M |
| Capital ratio | 8.65% | 36.86% (stronger) |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.09% | 0.00% (stronger) |
| Return on assets | 0.50% | 0.82% (stronger) |
| Loans ÷ deposits | 77.9% | 52.1% (stronger) |
| Uninsured deposits | 0.3% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Municipal Credit Union has the higher TellerScore (91 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Chelsea Employees Federal Credit Union leads on 0 and Watertown Municipal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.