Side-by-side · Q2 2026 data
Watertown Municipal Credit Union vs Alpha Credit Union
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Watertown Municipal Credit Union | Alpha Credit Union |
|---|---|---|
| TellerScore | 91 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 53 | 99 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 90th | 98th |
| Total assets | $9.7M | $35.1M |
| Deposits / shares | $6.0M | $28.2M |
| Capital ratio | 36.86% (stronger) | 18.78% |
| Problem loans | 0.00% (stronger) | 0.14% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.82% | 1.97% (stronger) |
| Loans ÷ deposits | 52.1% (stronger) | 69.0% |
| Uninsured deposits | 0.0% (stronger) | 0.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpha Credit Union has the higher TellerScore (97 vs 91). On the 7 directional measures above (where higher or lower is clearly better), Watertown Municipal Credit Union leads on 5 and Alpha Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.