Side-by-side · Q2 2026 data
M.O.S.E.S. Federal Credit Union vs Watertown Municipal Credit Union
Credit union
M.O.S.E.S. 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 | M.O.S.E.S. Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 81 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 6 | 53 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 68th | 90th |
| Total assets | $1.5M | $9.7M |
| Deposits / shares | $1.2M | $6.0M |
| Capital ratio | 21.94% | 36.86% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | -0.34% | 0.82% (stronger) |
| Loans ÷ deposits | 31.0% (stronger) | 52.1% |
| Uninsured deposits | 0.0% | 0.0% |
| 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 81). On the 4 directional measures above (where higher or lower is clearly better), M.O.S.E.S. Federal Credit Union leads on 1 and Watertown Municipal Credit Union on 3. 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.