Federal credit union · Worcester, Massachusetts · NCUA charter #24557
Webster First
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $1.49B
- Total assets
- 84,649
- Members
- 18.1%
- Net-worth ratio
Webster First - Share Insurance Coverage
Charter #24557's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Webster First - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)98
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)15
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
18.10% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.10% | 30% |
| Delinquency Rate | 0.55% | 25% |
| Return on Assets | 1.19% | 15% |
| Member Growth | -6.07% | 15% |
| Loan-to-Share Ratio | 121.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.49B | 84,649 |
| 2024Q4 | $1.44B | 90,115 |
| 2023Q4 | $1.47B | 90,858 |
Credit Union Details
- Charter Number
- 24557
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Worcester
- Data Quarter
- 2025Q4
What This Data Says About Webster First
Charter #24557, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Webster First, a federal credit union in Worcester, Massachusetts with 84,649 members, $1.49B in total assets, and $1.27B in outstanding loans as of Q4 2025. The five-factor composite scores it 72/100 (Very Good), helped by a net worth ratio of 18.10% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.55% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 121.91% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.19% on net income of $17.7M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.07%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Webster First financially healthy?
Yes/no aside, the number is 72/100 (Very Good) - Webster First's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.10% net worth ratio and 0.55% delinquency rate are the key drivers.
How does Webster First compare to other credit unions?
On PlainCU's health composite, Webster First lands at 72/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Webster First?
Webster First operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Webster First directly for the exact boundaries and application steps.
Is my money safe at Webster First?
Federal credit unions like Webster First are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Webster First's net worth ratio of 18.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Webster First offer compared to banks?
Credit unions like Webster First are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Webster First directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.