Side-by-side · Q2 2026 data
WSB Municipal 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 | WSB Municipal Bank | Watertown Postal Federal Credit Union |
|---|---|---|
| TellerScore | 93 | 94 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 77 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 95th |
| Total assets | $152.3M | $5.7M |
| Deposits / shares | $98.5M | $4.8M |
| Capital ratio | 15.23% (stronger) | 14.40% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.37% (stronger) | 1.42% |
| Loans ÷ deposits | 0.0% (stronger) | 50.6% |
| Uninsured deposits | 71.6% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Watertown Postal Federal Credit Union has the higher TellerScore (94 vs 93). On the 5 directional measures above (where higher or lower is clearly better), WSB Municipal Bank leads on 3 and Watertown Postal 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.