Credit union · NCUA insured
Watertown Municipal Credit Union
A $9.9M credit union headquartered in Watertown, MA, with 661 members and 1 branch in Massachusetts. Best rates: CDs 0.30% and savings 0.10% APY.
Watertown Municipal Credit Union Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#138 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Watertown Municipal Credit Union
- Headquarters
- 149 Main St, Watertown, MA 02472-4410
- NCUA charter
- 67615
Branches
1 branch in Massachusetts
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Massachusetts
1 branch
- Watertown Municipal Credit UnionMain office149 Main St, Watertown, MA 02472Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 36.86% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.81% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $52 | $59 | — |
- CapitalNet worth ratio36.86%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.81%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$52Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Watertown Municipal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.