Watertown Postal Federal Credit Union Watertown, New York
Watertown Postal Federal Credit Union is a federal credit union headquartered in Watertown, NY, established in 1949 (NCUA charter 6112), and it is regulated and insured by the NCUA. At Q2 2026 it reported 488 members and total assets of $5.7M (down 3.6% from Q2 2025), the 225th largest of 267 credit unions headquartered in New York. Its net worth ratio was 14.40% at Q2 2026, in the well capitalized band.
Also written as Watertown Postal FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 6112
- Headquarters
- Watertown, NY
- Established
- 1949
- Total assets, Q2 2026
- $5.7M
- Assets vs Q2 2025
- -3.6%
- Members, Q2 2026
- 488
- Net worth ratio, Q2 2026
- 14.40%
- Latest call report
- Q2 2026, NCUA 5300 · Watertown Postal Federal Credit Union call report
- Asset rank in state
- 225th of 267 in New York
- Routing number
- 221380952
- Branches
- 1
It has 19 fewer members than on June 30, 2025 (-3.7%). Its net worth ratio was up 0.78 percentage points from 13.62% on June 30, 2025. New vehicle loans are its largest loan category, $1.0M of $2.4M in total loans on its June 30, 2026 filing.
Credit unions similar in size in New York
Frequently asked about Watertown Postal Federal Credit Union
How big is Watertown Postal Federal Credit Union?
At Q2 2026 it reported total assets of $5.7M and 488 members.
Where is Watertown Postal Federal Credit Union headquartered?
It is headquartered in Watertown, NY, United States.
When was Watertown Postal Federal Credit Union founded?
It was established in 1949, per NCUA records.
Is Watertown Postal Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6112): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Watertown Postal Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Watertown Postal Federal Credit Union well capitalized?
Its net worth ratio was 14.40% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Watertown Postal Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 50.60% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Watertown, NY 13601
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 6112
- RSSD ID
- 948081
- Members
- 488
- Potential members
- 950
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 5 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.40% | 14.31% | 50th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.28% | 0.72% | 74th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.91% | 4.74% | 76th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.06% | 3.93% | 19th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.72% | 0.78% | 54th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.78% | 4.70% | 12th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 50.60% | 58.92% | 37th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.7M total assets against $5.9M; $4.8M total shares and deposits against $5.1M; $2.4M total loans against $3.0M.
$814K net worth against $799K.
14.40% net worth ratio against 13.62%.
50.60% loan-to-share ratio against 58.34%.
1.28% return on assets against 0.98%; 8.91% return on equity against 7.20%.
3.06% net interest margin against 2.50%.
488 members against 507.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.40% | 1.28% | — | 50.60% |
| March 31, 2026 | 14.17% | 1.57% | — | 49.74% |
| December 31, 2025 | 13.39% | -3.16% | — | 52.66% |
| September 30, 2025 | 13.84% | 1.36% | — | 54.06% |
| June 30, 2025 | 13.62% | 0.98% | — | 58.34% |
| March 31, 2025 | 13.19% | 0.97% | 0.26% | 54.02% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.