Side-by-side · Q2 2026 data
Rockland Federal Credit Union vs Watertown Municipal Credit Union
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Rockland Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 65 | 91 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 48 | 53 (stronger) |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 41st | 90th |
| Total assets | $3.8B | $9.7M |
| Deposits / shares | $3.3B | $6.0M |
| Capital ratio | 10.25% | 36.86% (stronger) |
| Problem loans | 0.38% | 0.00% (stronger) |
| Net charge-offs | 0.15% | 0.00% (stronger) |
| Return on assets | 0.70% | 0.82% (stronger) |
| Loans ÷ deposits | 102.1% | 52.1% (stronger) |
| Uninsured deposits | 16.4% | 0.0% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.4% | — |
Watertown Municipal Credit Union has the higher TellerScore (91 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Rockland Federal 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.