Side-by-side · Q2 2026 data
Utica Police Department Federal Credit Union vs Watertown Postal Federal Credit Union
Credit union
Utica Police Department Federal Credit Union
Utica, New York · Under $100 million in assets
Credit union
Watertown Postal Federal Credit Union
Watertown, New York · Under $100 million in assets
Metric by metric
| Measure | Utica Police Department Federal Credit Union | Watertown Postal Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 94 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 25 | 77 (stronger) |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 79 | 100 (stronger) |
| Peer percentile | 11th | 95th |
| Total assets | $6.3M | $5.7M |
| Deposits / shares | $4.4M | $4.8M |
| Capital ratio | 27.62% (stronger) | 14.40% |
| Problem loans | 4.55% | 0.00% (stronger) |
| Net charge-offs | 0.45% | 0.00% (stronger) |
| Return on assets | 0.13% | 1.42% (stronger) |
| Loans ÷ deposits | 100.5% | 50.6% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Postal Federal Credit Union has the higher TellerScore (94 vs 52). On the 6 directional measures above (where higher or lower is clearly better), Utica Police Department Federal Credit Union leads on 1 and Watertown Postal Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.