Watertown Municipal

WATERTOWN, MA · 2 · Charter #67615 · www.watertownmcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.8M
40th percentile
Members
686
25th percentile
Total loans
$3.2M
32th percentile
Total shares
$6.2M
35th percentile

Profitability

Return on assets
1.01%
60th percentile
Net interest margin
3.91%
48th percentile
Efficiency ratio
72.94%
37th percentile
Non-interest income ratio
0.16%
7th percentile

Capital & Risk

Net worth ratio
36.17%
96th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.01%
73th percentile
Loan-to-share
52.18%
38th percentile

Growth

Member growth YoY
0.00%
66th percentile
Asset growth YoY
-2.18%
29th percentile
Loan growth YoY
-4.80%
43th percentile
Share growth YoY
-4.95%
20th percentile

Operations

Members / branch
686
32th percentile
Assets / member
$14,227
82th percentile
Field of membership penetration
62.36%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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