Side-by-side · Q2 2026 data
Norfolk Community Federal Credit Union vs Watertown Municipal Credit Union
Credit union
Norfolk Community Federal Credit Union
Norfolk, Massachusetts · Under $100 million in assets
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Norfolk Community Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 80 | 91 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 64 (stronger) | 53 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 65th | 90th |
| Total assets | $33.0M | $9.7M |
| Deposits / shares | $27.5M | $6.0M |
| Capital ratio | 12.67% | 36.86% (stronger) |
| Problem loans | 0.48% | 0.00% (stronger) |
| Net charge-offs | 0.28% | 0.00% (stronger) |
| Return on assets | 1.11% (stronger) | 0.82% |
| Loans ÷ deposits | 68.5% | 52.1% (stronger) |
| 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 80). On the 6 directional measures above (where higher or lower is clearly better), Norfolk Community Federal Credit Union leads on 1 and Watertown Municipal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.