Webster First

Worcester, MA · 1 · Charter #24557 · www.websterfirst.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.5B
33th percentile
Members
84,649
32th percentile
Total loans
$1.3B
43th percentile
Total shares
$1.0B
17th percentile

Profitability

Return on assets
1.18%
62th percentile
Net interest margin
3.38%
60th percentile
Efficiency ratio
42.88%
82th percentile
Non-interest income ratio
11.47%
11th percentile

Capital & Risk

Net worth ratio
19.31%
98th percentile
Delinquency rate
0.55%
67th percentile
Net charge-off rate
0.12%
93th percentile
Loan-to-share
121.91%
99th percentile

Growth

Member growth YoY
-6.07%
5th percentile
Asset growth YoY
2.96%
25th percentile
Loan growth YoY
10.07%
78th percentile
Share growth YoY
3.68%
30th percentile

Operations

Members / branch
5,643
26th percentile
Assets / member
$17,559
46th percentile
Field of membership penetration
2.03%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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