Side-by-side · Q2 2026 data
Harvard Federal Credit Union vs Watertown Municipal Credit Union
Credit union
Harvard Federal Credit Union
Cambridge, Massachusetts · $1 billion – $10 billion
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Harvard Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 49 | 91 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 62 | 100 (stronger) |
| Earnings | 31 | 53 (stronger) |
| Funding & liquidity | 51 | 100 (stronger) |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 5th | 90th |
| Total assets | $1.2B | $9.7M |
| Deposits / shares | $922.7M | $6.0M |
| Capital ratio | 8.81% | 36.86% (stronger) |
| Problem loans | 1.13% | 0.00% (stronger) |
| Net charge-offs | 0.44% | 0.00% (stronger) |
| Return on assets | 0.28% | 0.82% (stronger) |
| Loans ÷ deposits | 109.1% | 52.1% (stronger) |
| Uninsured deposits | 10.1% | 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 49). On the 7 directional measures above (where higher or lower is clearly better), Harvard Federal Credit Union leads on 0 and Watertown Municipal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.