Credit union · NCUA insured
Watertown Postal Federal Credit Union
A $5.6M credit union headquartered in Watertown, NY, with 491 members and 1 branch in New York.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Watertown Postal Federal Credit Union
Established in April 1949 and based in Watertown, New York, Watertown Postal Federal Credit Union is a member-owned, not-for-profit financial corporation.
- Headquarters
- 232 Commerce Park Dr, Watertown, NY 13601
- NCUA charter
- 6112
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to Postal Workers.
Family and household
- Membership is open to families of Postal Workers.
Other ways
- Membership is open to organizations of Postal Workers and their families.
Branches
1 branch in New York
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New York
1 branch
- 232 Commerce Pk Dr Watertown Ny 13601Main office232 Commerce Park Dr, Watertown, NY 13601Directions
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 | 14.40% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.41% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $51 | $59 | — |
- CapitalNet worth ratio14.40%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.41%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$51Peers’ 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 Postal Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.