Side-by-side · Q2 2026 data
Watertown Savings Bank vs Northern Federal Credit Union
Credit union
Northern Federal Credit Union
Watertown, New York · $100 million – $1 billion
Metric by metric
| Measure | Watertown Savings Bank | Northern Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 35 | 56 (stronger) |
| Earnings | 96 (stronger) | 26 |
| Funding & liquidity | 85 (stronger) | 69 |
| Problem-loan coverage | 87 (stronger) | 78 |
| Peer percentile | 75th | 10th |
| Total assets | $971.0M | $698.2M |
| Deposits / shares | $784.3M | $614.7M |
| Capital ratio | 17.60% (stronger) | 10.48% |
| Problem loans | 1.95% | 1.32% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.33% |
| Return on assets | 1.90% (stronger) | 0.15% |
| Loans ÷ deposits | 74.8% (stronger) | 91.4% |
| Uninsured deposits | 12.6% | 6.2% (stronger) |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Savings Bank has the higher TellerScore (79 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Watertown Savings Bank leads on 5 and Northern Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.