Side-by-side · Q2 2026 data
Marblehead Municipal Federal Credit Union vs Watertown Municipal Credit Union
Credit union
Marblehead Municipal Federal Credit Union
Marblehead, Massachusetts · Under $100 million in assets
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Marblehead Municipal Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 82 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 44 | 53 (stronger) |
| Funding & liquidity | 89 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 70th | 90th |
| Total assets | $13.5M | $9.7M |
| Deposits / shares | $11.4M | $6.0M |
| Capital ratio | 15.44% | 36.86% (stronger) |
| Problem loans | 0.61% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.59% | 0.82% (stronger) |
| Loans ÷ deposits | 71.5% | 52.1% (stronger) |
| Uninsured deposits | 5.9% | 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 82). On the 7 directional measures above (where higher or lower is clearly better), Marblehead Municipal 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.