Side-by-side · Q2 2026 data
Watertown Postal Federal Credit Union vs State Cs Employees Federal Credit Union
Credit union
Watertown Postal Federal Credit Union
Watertown, New York · Under $100 million in assets
Credit union
State Cs Employees Federal Credit Union
Watertown, New York · Under $100 million in assets
Metric by metric
| Measure | Watertown Postal Federal Credit Union | State Cs Employees Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 66 |
| Capital cushion | 94 (stronger) | 43 |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 77 (stronger) | 74 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 95th | 32nd |
| Total assets | $5.7M | $49.4M |
| Deposits / shares | $4.8M | $44.7M |
| Capital ratio | 14.40% (stronger) | 9.30% |
| Problem loans | 0.00% (stronger) | 0.77% |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 1.42% (stronger) | 1.34% |
| Loans ÷ deposits | 50.6% (stronger) | 87.0% |
| Uninsured deposits | 0.0% (stronger) | 5.3% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Postal Federal Credit Union has the higher TellerScore (94 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Watertown Postal Federal Credit Union leads on 7 and State Cs Employees 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.