Side-by-side · Q2 2026 data
OneLocal Bank vs Watertown Municipal Credit Union
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | OneLocal Bank | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 75 | 91 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 59 (stronger) | 53 |
| Funding & liquidity | 29 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 77th | 90th |
| Total assets | $1.1B | $9.7M |
| Deposits / shares | $843.0M | $6.0M |
| Capital ratio | 13.68% | 36.86% (stronger) |
| Problem loans | 0.21% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.99% (stronger) | 0.82% |
| Loans ÷ deposits | 107.1% | 52.1% (stronger) |
| Uninsured deposits | 36.8% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Watertown Municipal Credit Union has the higher TellerScore (91 vs 75). On the 6 directional measures above (where higher or lower is clearly better), OneLocal Bank leads on 1 and Watertown Municipal Credit Union on 5. 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.