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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,073 of 4,374 health · 2025Q4Watertown Postal · health 77/100 · $5.8M · 2025Q4
- ROA 77/100
- ASSETS 14.2%
- MEM 0.00%
- RANK 0.11%
- PHOTO $5.8M
- BOOK 498
- CHARTER #3,073/4,374
- NCUSIF n/a
- CAMELS 6112
Watertown Postal carries $5.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Watertown Postal vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Watertown Postal - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6112. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Watertown Postal: 2025Q4 → 2026Q1
Watertown Postal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.9% from $5.8M (2025Q4) to $5.6M (2026Q1).
- Net-worth ratio shifted +0.78 pp (13.39% → 14.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for Watertown Postal, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Watertown Postal financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Watertown Postal carries a financial health score of 77/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,073 of 4,374; by total assets it ranks #3,810 of 4,374 nationally (same basis as /rankings/largest); and #228 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.17% net worth ratio and a 0.00% delinquency rate.
How does Watertown Postal compare to other credit unions?
77/100 is Watertown Postal's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Watertown Postal are 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."
What rates does Watertown Postal offer compared to banks?
Credit unions like Watertown Postal are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Watertown Postal directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.