Side-by-side · Q2 2026 data
Watertown Municipal Credit Union vs Mass Bay Credit Union
Credit union
Watertown Municipal Credit Union
Watertown, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Watertown Municipal Credit Union | Mass Bay Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 53 (stronger) | 43 |
| Funding & liquidity | 100 (stronger) | 50 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 90th | 26th |
| Total assets | $9.7M | $366.7M |
| Deposits / shares | $6.0M | $259.6M |
| Capital ratio | 36.86% (stronger) | 11.46% |
| Problem loans | 0.00% (stronger) | 0.89% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.82% (stronger) | 0.58% |
| Loans ÷ deposits | 52.1% (stronger) | 117.5% |
| Uninsured deposits | 0.0% (stronger) | 9.3% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.3% |
Watertown Municipal Credit Union has the higher TellerScore (91 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Watertown Municipal Credit Union leads on 7 and Mass Bay Credit Union on 0. 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.