Watertown, New York · Peer group 2
Watertown Postal Credit Union
Watertown Postal Credit Union holds $5.6M in assets across 491 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1949. Charter number 6112, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $5.6M |
|---|---|
| Total loans | $2.4M |
| Total shares (deposits) | $4.8M |
| Net worth | $796K |
| Members | 491 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -5.7% | |
|---|---|---|
| Loans | -14.6% | around the 22nd percentile of its peer group |
| Deposits | -7.3% | around the 19th percentile of its peer group |
| Members | -3.5% | around the 30th 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 | 49.7% | around the 35th percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.2% | around the 34th percentile of its peer group |
| Return on assets | 1.57% | around the 86th percentile of its peer group |
| Delinquency ratio | 0.00% | around the 11th percentile of its peer group |
| Cash / assets | 9.1% | around the 24th 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 Postal 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 New York — the comparison set a peer ratio is measured against.
- Schenectady County Employees Credit Union
Schenectady, NY
$5.7M · 645 members
- Griffith Institute Employees Credit Union
Springville, NY
$6.0M · 594 members
- Transit Authority Division B Credit Union
New York, NY
$6.1M · 1,461 members
- Tri-County Credit Union
Delevan, NY
$5.0M · 712 members
- Utica Police Department Credit Union
UTICA, NY
$6.3M · 601 members
- New Covenant Dominion Credit Union
Bronx, NY
$4.8M · 686 members
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