Side-by-side · Q2 2026 data
Watertown Savings Bank vs Watertown Postal Federal Credit Union
Credit union
Watertown Postal Federal Credit Union
Watertown, New York · Under $100 million in assets
Metric by metric
| Measure | Watertown Savings Bank | Watertown Postal Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 94 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 35 | 100 (stronger) |
| Earnings | 96 (stronger) | 77 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 75th | 95th |
| Total assets | $971.0M | $5.7M |
| Deposits / shares | $784.3M | $4.8M |
| Capital ratio | 17.60% (stronger) | 14.40% |
| Problem loans | 1.95% | 0.00% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.90% (stronger) | 1.42% |
| Loans ÷ deposits | 74.8% | 50.6% (stronger) |
| Uninsured deposits | 12.6% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Postal Federal Credit Union has the higher TellerScore (94 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Watertown Savings Bank leads on 2 and Watertown Postal Federal Credit Union on 5. 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.