BlastPoint's Credit Union Scorecard
WATERTOWN MUNICIPAL
Charter #67615 · MA
WATERTOWN MUNICIPAL has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.4% YoY
- - Fee Income Per Member: Bottom 4.7% in tier
- - First Mortgage Concentration (%): Bottom 6.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
661
-3.4% YoY-3.6% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$9.9M
-1.7% YoY+1.5% QoQ
|
$-20.3M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
31% |
| Loans |
$2.9M
-10.5% YoY-9.1% QoQ
|
$-12.4M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$6.3M
-4.2% YoY+2.0% QoQ
|
$-19.5M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
0.9%
-3.0% YoY-8.3% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
66% |
| NIM |
3.8%
+1.0% YoY-3.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
47% |
| Efficiency Ratio |
80.3%
+8.5% YoY+8.2% QoQ
|
-10.3% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
47% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
46.5%
-6.6% YoY-10.9% QoQ
|
-12.0% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$13,910
-3.0% YoY+1.9% QoQ
|
$-974 |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
2.4%
-2.2% YoY-1.9% QoQ
|
-21.9% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)