Side-by-side · Q2 2026 data
Members Plus Credit Union vs Watertown Municipal Credit Union
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Members Plus Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 60 | 91 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 71 | 100 (stronger) |
| Earnings | 1 | 53 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 21st | 90th |
| Total assets | $349.0M | $9.7M |
| Deposits / shares | $284.7M | $6.0M |
| Capital ratio | 11.02% | 36.86% (stronger) |
| Problem loans | 0.87% | 0.00% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | -0.49% | 0.82% (stronger) |
| Loans ÷ deposits | 58.6% | 52.1% (stronger) |
| Uninsured deposits | 10.9% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Watertown Municipal Credit Union has the higher TellerScore (91 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Members Plus 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.