State credit union · WATERTOWN, Massachusetts · NCUA charter #67615
Watertown Municipal
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $9.8M
- Total assets
- 686
- Members
- 35.8%
- Net-worth ratio
Watertown Municipal scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.8M; members 686; net-worth ratio 35.82%; health rank #1,022 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,022 of 4,374 health · 2025Q4Watertown Municipal · health 90/100 · $9.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Watertown Municipal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Watertown Municipal sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Watertown Municipal diverges from peer averages
- Net Worth Ratio leads the peer set - 35.82% here, 19.06% peer average (+16.76 pp).
- Largest lag: Loan-to-Share Ratio at 52.18% vs peer 63.60% (-11.42 pp).
Watertown Municipal in Massachusetts
- In Massachusetts, health place is #25 of 126 on the same NCUA-ratio sort used nationally.
- Massachusetts assets place: #104 of 126.
- Member book place in Massachusetts: #112 of 126.
- One place up in Massachusetts, BROTHERHOOD (#24) ties at 90/100; one place down, Billerica Municipal Employees (#26) ties at 90/100.
Watertown Municipal: 2025Q4 → 2026Q1
Watertown Municipal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $9.8M (2025Q4) to $9.9M (2026Q1).
- Net-worth ratio shifted -0.31 pp (36.13% → 35.82%).
35.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Watertown Municipal gives up 10 points in total. Member Growth costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 11.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 35.82% | +16.76 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.84% | +0.39 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 52.18% | -11.42 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Watertown Municipal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.9M | - |
| 2025Q4 | $9.8M | 686 |
| 2024Q4 | $10.0M | 686 |
| 2023Q4 | $9.9M | 694 |
Credit Union Details
- Charter Number
- 67615
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- WATERTOWN
- Data Quarter
- 2025Q4
Branch Location
Watertown Municipal operates a single office in WATERTOWN, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| WATERTOWN MUNICIPAL CREDIT UNION (Main Office) | WATERTOWN, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Watertown Municipal
Similar health score
Using this data
- Watertown Municipal ranks #1,022 of 4,374 nationally on financial health and #25 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MORTON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MORTON
Frequently Asked Questions
Is Watertown Municipal financially healthy?
Watertown Municipal has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,022 of 4,374 nationally on health and #25 of 126 in Massachusetts. Its net worth ratio is 35.82% and its delinquency rate 0.00%.
How does Watertown Municipal compare to other credit unions?
Watertown Municipal scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (35.82% vs 19.06%). Its widest shortfall is loan-to-share ratio (52.18% vs 63.60%).
How can I join Watertown Municipal?
Membership eligibility for Watertown Municipal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Watertown Municipal directly for current membership requirements and application steps.
Is my money safe at Watertown Municipal?
Watertown Municipal is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Watertown Municipal's net worth ratio of 35.82% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.