Federal credit union · WATERTOWN, New York · NCUA charter #6112
Watertown Postal
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $5.8M
- Total assets
- 498
- Members
- 14.2%
- Net-worth ratio
Watertown Postal scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.8M; members 498; net-worth ratio 14.17%; health rank #3,073 of 4,374; healthier than 28th of scored peers.
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Watertown Postal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Watertown Postal sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
Peer-gap read for Watertown Postal
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.94 pp (52.66% vs 63.60%).
New York standing for Watertown Postal
- Health composite ranks #175 of 272 among scored New York credit unions.
- By total assets, Watertown Postal is #228 of 272 in New York.
- New York membership ordinal: #238 of 272.
- One place up in New York, M. C. T. (#174) ties at 77/100; one place down, CONCORD (#176) ties at 77/100.
Watertown Postal: 2025Q4 → 2026Q1
Watertown Postal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.9% from $5.8M (2025Q4) to $5.6M (2026Q1).
- Net-worth ratio shifted +0.78 pp (13.39% → 14.17%).
At 14.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Watertown Postal gives up 23 points in total. Member Growth costs the most, 13.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.2 pts
- Member Growth 1.7 pts
- Loan-to-Share Ratio 11.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.17% | -4.89 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.11% | -0.34 pp |
| Member Growth | -4.05% | - |
| Loan-to-Share Ratio | 52.66% | -10.94 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Watertown Postal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.6M | - |
| 2025Q4 | $5.8M | 498 |
| 2024Q4 | $5.9M | 519 |
| 2023Q4 | $6.3M | 533 |
Credit Union Details
- Charter Number
- 6112
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- New York
- City
- WATERTOWN
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Watertown Postal runs one office.
| Office | City |
|---|---|
| 232 COMMERCE PK DR WATERTOWN NY 13601 (Main Office) | WATERTOWN, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Watertown Postal nationwide neighbourhoods
Similar health score
Using this data
- Watertown Postal ranks #3,073 of 4,374 nationally on financial health and #175 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Griffith Institute Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Griffith Institute Employees
Frequently Asked Questions
Is Watertown Postal financially healthy?
On its 2025Q4 NCUA 5300 filing, Watertown Postal scores 77/100 (Very Good), with a 14.17% net worth ratio and 0.00% of loans delinquent. It ranks #3,073 of 4,374 nationally on health and #175 of 272 in New York.
How does Watertown Postal compare to other credit unions?
Watertown Postal scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (52.66% vs 63.60%).
How can I join Watertown Postal?
Watertown Postal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Watertown Postal directly to confirm current membership steps.
Is my money safe at Watertown Postal?
Watertown Postal is a federal 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 Postal's net worth ratio of 14.17% 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.