WATERTOWN MUNICIPAL
Charter #67615 | MA
<100M
(2596 CUs)
Micro
($0-$500M)
68 <100M in MA
WATERTOWN MUNICIPAL has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.6% in tier
- + Net Charge-Off Rate: Top 4.3% in tier
- + Members Per Employee (MPE): Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.0% YoY
- - First Mortgage Concentration (%): Bottom 4.9% in tier
- - Fee Income Per Member: Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
682
-2.0% YoY+0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 19.1% in tier |
| Assets |
$9.9M
-0.6% YoY-2.7% QoQ
|
$-20.0M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
32nd in tier |
| Loans |
$3.1M
-6.5% YoY-1.3% QoQ
|
$-12.7M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 24.6% in tier |
| Deposits |
$6.3M
-2.8% YoY-4.6% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
27th in tier |
| ROA |
1.1%
+70.1% YoY+6.4% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
65th in tier |
| NIM |
3.8%
+7.7% YoY+3.0% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
45th in tier |
| Efficiency Ratio |
73.4%
-10.1% YoY-2.1% QoQ
|
-8.0% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
38th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
49.5%
-3.9% YoY+3.4% QoQ
|
-11.8% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
31st in tier |
| AMR |
$13,790
-2.1% YoY-3.7% QoQ
|
$-837 |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
51st in tier |
| CD Concentration |
2.4%
-3.6% YoY+4.9% QoQ
|
-22.1% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
95
Net Worth Ratio
risk
Value:
35.51%
Peer Avg: 16.43%
#95 of 2596
Top 3.6% in <100M tier
112
Net Charge-Off Rate
risk
Value:
-0.11%
Peer Avg: 0.57%
#112 of 2596
Top 4.3% in <100M tier
135
Members Per Employee (MPE)
engagement
Value:
682.000
Peer Avg: 365.701
#135 of 2596
Top 5.2% in <100M tier
Top Weaknesses (4 metrics)
2469
First Mortgage Concentration (%)
balance_sheet
Value:
56.21%
Peer Avg: 14.49%
#2469 of 2596
Bottom 4.9% in <100M tier
2460
Fee Income Per Member
profitability
Value:
$0.21
Peer Avg: $182.96
#2460 of 2596
Bottom 5.3% in <100M tier
2099
Total Members
engagement
Value:
682
Peer Avg: 2,626
#2099 of 2596
Bottom 19.2% in <100M tier
1957
Total Loans
balance_sheet
Value:
$3.11M
Peer Avg: $15.77M
#1957 of 2596
Bottom 24.7% in <100M tier