Side-by-side · Q2 2026 data
Lowell Municipal Employees Federal Credit Union vs Watertown Municipal Credit Union
Credit union
Lowell Municipal Employees Federal Credit Union
Lowell, Massachusetts · Under $100 million in assets
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Lowell Municipal Employees Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 67 | 91 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 40 | 53 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 34th | 90th |
| Total assets | $8.8M | $9.7M |
| Deposits / shares | $8.1M | $6.0M |
| Capital ratio | 7.86% | 36.86% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.49% | 0.82% (stronger) |
| Loans ÷ deposits | 57.2% | 52.1% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Municipal Credit Union has the higher TellerScore (91 vs 67). On the 5 directional measures above (where higher or lower is clearly better), Lowell Municipal Employees Federal Credit Union leads on 1 and Watertown Municipal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.