Watertown, Massachusetts · Peer group 2
Watertown Municipal Credit Union
Watertown Municipal Credit Union holds $9.9M in assets across 661 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1934. Charter number 67615, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $9.9M |
|---|---|
| Total loans | $2.9M |
| Total shares (deposits) | $6.3M |
| Net worth | $3.6M |
| Members | 661 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.7% | |
|---|---|---|
| Loans | -10.5% | around the 33rd percentile of its peer group |
| Deposits | -4.2% | around the 34th percentile of its peer group |
| Members | -3.4% | around the 32nd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 46.5% | around the 32nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 35.8% | higher than 93% of its peer group |
| Return on assets | 0.93% | around the 71st percentile of its peer group |
| Delinquency ratio | 0.00% | around the 11th percentile of its peer group |
| Cash / assets | 17.3% | around the 57th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Watertown Municipal Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- Morton Credit Union
taunton, MA
$10.1M · 891 members
- Arlington Municipal Credit Union
ARLINGTON, MA
$9.7M · 907 members
- Cambridge Municipal Employees Credit Union
Cambridge, MA
$10.4M · 1,292 members
- Dedham Town Employees Credit Union
DEDHAM, MA
$9.3M · 1,063 members
- Burlington Municipal Employees Credit Union
BURLINGTON, MA
$11.0M · 1,156 members
- Lowell Municipal Employees Credit Union
Lowell, MA
$8.7M · 1,278 members
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