WATERTOWN MUNICIPAL
State-Chartered • WATERTOWN, Massachusetts • Est. 1934
Quick Facts
- Charter Number
- #67615
- Type
- State-Chartered
- Established
- 1934
- Headquarters
- WATERTOWN, Massachusetts 02472-4410
- Address
- 149 MAIN ST
- Branches
- 1
- Members
- 686
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
686 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WATERTOWN MUNICIPAL |
|---|---|
| Total Assets | $9.8M |
| Members | 686 |
| Loans Outstanding | $3.2M |
| Shares & Deposits | $6.2M |
| Net Worth | $3.5M |
| Net Worth Ratio | 36.13% |
| Loan-to-Share Ratio | 52.2% |
| Delinquency Rate | 0.00% |
| Net Income | +$98,842 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
WATERTOWN MUNICIPAL CREDIT UNION
Main Office149 MAIN ST
WATERTOWN, MA 02472-4410
Who Can Join WATERTOWN MUNICIPAL?
Membership Type: Community
Membership eligibility for WATERTOWN MUNICIPAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact WATERTOWN MUNICIPAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. WATERTOWN MUNICIPAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, WATERTOWN MUNICIPAL has 686 members and a potential membership field of 1,100 people.
WATERTOWN MUNICIPAL's net worth ratio is 36.13% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 36.1%, WATERTOWN MUNICIPAL meets this threshold.
WATERTOWN MUNICIPAL operates 1 branch location. The main office is located at 149 MAIN ST, WATERTOWN, MA 02472-4410.
WATERTOWN MUNICIPAL was established in 1934. It is a state-chartered credit union chartered under charter number 67615. The institution has been serving members for 92 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or WATERTOWN MUNICIPAL. All financial data is for informational purposes only.