Side-by-side · Q2 2026 data
Somerville Municipal Federal Credit Union vs Watertown Municipal Credit Union
Credit union
Somerville Municipal 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 Municipal Federal Credit Union | Watertown Municipal Credit Union |
|---|---|---|
| TellerScore | 89 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 65 (stronger) | 53 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 87th | 90th |
| Total assets | $49.0M | $9.7M |
| Deposits / shares | $39.5M | $6.0M |
| Capital ratio | 19.08% | 36.86% (stronger) |
| Problem loans | 0.48% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.12% (stronger) | 0.82% |
| Loans ÷ deposits | 60.7% | 52.1% (stronger) |
| Uninsured deposits | 7.6% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Municipal Credit Union has the higher TellerScore (91 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Somerville Municipal Federal Credit Union leads on 1 and Watertown Municipal Credit Union on 6. 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.