Side-by-side · Q2 2026 data
Watertown Postal Federal Credit Union vs Northern Federal Credit Union
Credit union
Watertown Postal Federal Credit Union
Watertown, New York · Under $100 million in assets
Credit union
Northern Federal Credit Union
Watertown, New York · $100 million – $1 billion
Metric by metric
| Measure | Watertown Postal Federal Credit Union | Northern Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 54 |
| Capital cushion | 94 (stronger) | 55 |
| Loan quality | 100 (stronger) | 56 |
| Earnings | 77 (stronger) | 26 |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 78 |
| Peer percentile | 95th | 10th |
| Total assets | $5.7M | $698.2M |
| Deposits / shares | $4.8M | $614.7M |
| Capital ratio | 14.40% (stronger) | 10.48% |
| Problem loans | 0.00% (stronger) | 1.32% |
| Net charge-offs | 0.00% (stronger) | 0.33% |
| Return on assets | 1.42% (stronger) | 0.15% |
| Loans ÷ deposits | 50.6% (stronger) | 91.4% |
| Uninsured deposits | 0.0% (stronger) | 6.2% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Postal Federal Credit Union has the higher TellerScore (94 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Watertown Postal Federal Credit Union leads on 7 and Northern Federal 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.