WATERTOWN POSTAL
Charter #6112 · WATERTOWN, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 491 sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 1.55% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 53.77% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WATERTOWN POSTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.62M | 67th pct | 36th pct |
| Members | 491 | 43th pct | 16th pct |
| Net worth ratio | 14.17% | 33th pct | 49th pct |
| Return on average assets | 1.55% | 84th pct | 87th pct |
| Net interest margin | 3.35% | 28th pct | 33th pct |
| Cost of funds | 0.86% | 60th pct | 57th pct |
| Loan-to-share | 49.74% | 40th pct | 44th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -13.48% | 17th pct | 10th pct |
| Share growth YoY | -5.97% | 14th pct | 3th pct |
| Efficiency ratio | 53.77% | 11th pct | 10th pct |
structural peer set hash: 6cb868cbe14024df21f1205900b3611e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.