Watertown Postal
Watertown, NY · Charter 6112 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.7MAssets
$2.4MLoans
$4.8MShares
$814KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: net interest margin trails 79% of credit unions under $1B in assets (rank 1324 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.41%
Rank 285 of 1,683
Net Interest Margin
3.22%
Rank 1,324 of 1,683
Efficiency Ratio
56.52%
Rank 136 of 1,682
Equity / Assets
14.39%
Rank 612 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.35% | 0.74% | 1.18% | Beats 83% | 285 / 1,683 | | |
| Return on Equity | 9.83% | 2.67% | 5.89% | 8.74% | Beats 82% | 299 / 1,681 | | |
| Net Interest Margin | 3.22% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,324 / 1,683 | | |
| Efficiency Ratio | 56.52% | 68.91% | 78.20% | 86.93% | Beats 92% | 136 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.39% | 10.44% | 12.89% | 16.53% | Beats 64% | 612 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.39% | 10.44% | 12.89% | 16.53% | Beats 64% | 612 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.60% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,309 / 1,683 | | |
| Loans / Assets | 43.23% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,290 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |