Watertown Municipal
Watertown Municipal is a credit union based in Watertown, Massachusetts, established in 1934, with $10 million in total assets serving 661 members. By Trust Grade it ranks 29th of 122 credit unions we track in Massachusetts. Its net worth ratio of 35.8% is stronger than 97% of similarly sized credit unions, versus a Massachusetts median of 12%. It was profitable over the most recent period, with a 0.93% return on assets. No consumer complaints against Watertown Municipal appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Watertown Municipal compares to Massachusetts peers
How we graded Watertown Municipal
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (35.8% capital ratio)
- Profitable (ROA 0.93%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Watertown Municipal over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Watertown Municipal insured?
Yes. Watertown Municipal is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Watertown Municipal: frequently asked questions
Is Watertown Municipal a good credit union?
Watertown Municipal earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (35.8% capital ratio); Profitable (ROA 0.93%).
Is Watertown Municipal NCUA-insured?
Yes. Watertown Municipal is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Watertown Municipal?
Watertown Municipal holds $10 million in total assets, ranking 29th of 122 credit unions we track in Massachusetts. It serves 661 members.
Does Watertown Municipal have CFPB complaints?
No CFPB complaints against Watertown Municipal appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
