Webster First
Worcester, MA · Charter 24557 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$1.5BAssets
$1.3BLoans
$1.1BShares
$300.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 98% of credit unions $1B-$10B in assets (rank 8 of 435).
- Widest gap: net interest margin trails 34% of credit unions $1B-$10B in assets (rank 148 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.76%
Rank 16 of 435
Net Interest Margin
3.62%
Rank 148 of 435
Efficiency Ratio
57.27%
Rank 35 of 435
Equity / Assets
19.66%
Rank 8 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.55% | 0.81% | 1.14% | Beats 96% | 16 / 435 | |
| Return on Equity | 8.96% | 5.12% | 7.41% | 9.70% | Beats 68% | 138 / 435 | |
| Net Interest Margin | 3.62% | 3.01% | 3.39% | 3.75% | Beats 66% | 148 / 435 | |
| Efficiency Ratio | 57.27% | 65.25% | 71.39% | 77.86% | Beats 92% | 35 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.45% | 0.69% | 1.05% | Beats 79% | 94 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.66% | 9.81% | 10.84% | 12.63% | Beats 98% | 8 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.66% | 9.81% | 10.84% | 12.63% | Beats 98% | 8 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 125.49% | 78.33% | 88.38% | 95.61% | 100th pctl | 1 / 435 | |
| Loans / Assets | 86.98% | 67.69% | 74.58% | 80.80% | 94th pctl | 24 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |