Side-by-side · Q2 2026 data
Watertown Savings Bank vs State Cs Employees Federal Credit Union
Credit union
State Cs Employees Federal Credit Union
Watertown, New York · Under $100 million in assets
Metric by metric
| Measure | Watertown Savings Bank | State Cs Employees Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 35 | 74 (stronger) |
| Earnings | 96 (stronger) | 74 |
| Funding & liquidity | 85 (stronger) | 73 |
| Problem-loan coverage | 87 | 87 |
| Peer percentile | 75th | 32nd |
| Total assets | $971.0M | $49.4M |
| Deposits / shares | $784.3M | $44.7M |
| Capital ratio | 17.60% (stronger) | 9.30% |
| Problem loans | 1.95% | 0.77% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.20% |
| Return on assets | 1.90% (stronger) | 1.34% |
| Loans ÷ deposits | 74.8% (stronger) | 87.0% |
| Uninsured deposits | 12.6% | 5.3% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Savings Bank has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Watertown Savings Bank leads on 5 and State Cs Employees Federal Credit Union on 2. 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.