Side-by-side · Q2 2026 data
Somerville Mass Firefighters Federal Credit Union vs Watertown Municipal Credit Union
Credit union
Somerville Mass Firefighters Federal Credit Union
Somerville, Massachusetts · Under $100 million in assets
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Somerville Mass Firefighters Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 91 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 61 (stronger) | 53 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 92nd | 90th |
| Total assets | $7.4M | $9.7M |
| Deposits / shares | $6.0M | $6.0M |
| Capital ratio | 19.56% | 36.86% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.03% (stronger) | 0.82% |
| Loans ÷ deposits | 50.4% (stronger) | 52.1% |
| Uninsured deposits | 3.1% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Somerville Mass Firefighters Federal Credit Union has the higher TellerScore (92 vs 91). On the 5 directional measures above (where higher or lower is clearly better), Somerville Mass Firefighters Federal Credit Union leads on 3 and Watertown Municipal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.