Side-by-side · Q2 2026 data
Watertown Postal Federal Credit Union vs Tri-County Federal Credit Union
Credit union
Watertown Postal Federal Credit Union
Watertown, New York · Under $100 million in assets
Metric by metric
| Measure | Watertown Postal Federal Credit Union | Tri-County Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 75 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 100 (stronger) | 49 |
| Earnings | 77 (stronger) | 58 |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 95th | 52nd |
| Total assets | $5.7M | $5.0M |
| Deposits / shares | $4.8M | $3.9M |
| Capital ratio | 14.40% | 21.23% (stronger) |
| Problem loans | 0.00% (stronger) | 1.54% |
| Net charge-offs | 0.00% | -0.26% (stronger) |
| Return on assets | 1.42% (stronger) | 0.95% |
| Loans ÷ deposits | 50.6% (stronger) | 78.9% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Postal Federal Credit Union has the higher TellerScore (94 vs 75). On the 6 directional measures above (where higher or lower is clearly better), Watertown Postal Federal Credit Union leads on 4 and Tri-County Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.