Overview / Commentary
WATERTOWN, MA 02472-4410

Watertown Municipal Credit Union is headquartered in WATERTOWN and is the 124th largest credit union in the state of Massachusetts. It is also the 4,001st largest credit union in the nation. It was established in 1934 and as of June of 2018, it had grown to 1 employees and 777 members at 1 location. Watertown Municipal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to the employees of the City of Watertown, Massachusetts.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Watertown Municipal Credit Union has a low asset base.

Health Grade Components

NCUA #67615
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD0.37%
Annual Interest Income$116.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$11.1MM$11.5MM
LoansQ2 2018vs Q2 2017$2.1MM$1.9MM
DepositsQ2 2018vs Q2 2017$7.8MM$8.2MM
Equity CapitalQ2 2018vs Q2 2017$3.2MM$3.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$6.00K$8.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$9.00K$8.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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Watertown Municipal Credit Union Savings Account Rates

0.10%$25-Regular Shares

Watertown Municipal Credit Union CD Rates

0.30%$1k-15 Month CD
0.20%$1k-6 Month CD

Watertown Municipal Credit Union Locations
Branch Office149 MAIN STWATERTOWN, MA 02472-4410

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