Federal credit union · Worcester, Massachusetts · NCUA charter #24557
Webster First
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $1.49B
- Total assets
- 84,649
- Members
- 19.6%
- Net-worth ratio
Webster First scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.49B; members 84,649; net-worth ratio 19.56%; health rank #3,447 of 4,374; healthier than 20th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,447 of 4,374 health · 2025Q4Webster First · health 72/100 · $1.49B · 2025Q4
Call Report peers
Webster First in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Webster First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Webster First sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Webster First vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +38.01 pp (121.91% vs 83.90%).
Where Webster First sits in Massachusetts
- Massachusetts health ordinal: #105 of 126.
- Massachusetts assets place: #9 of 126.
- Massachusetts membership ordinal: #9 of 126.
- One place up in Massachusetts, Metrowest Community (#104) scores 73/100, 1 point higher; one place down, New England Teamsters (#106) scores 71/100, 1 point lower.
Webster First: 2025Q4 → 2026Q1
Webster First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $1.49B (2025Q4) to $1.50B (2026Q1).
- Net-worth ratio shifted +0.25 pp (19.31% → 19.56%).
19.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
Webster First gives up 28 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 2.5 pts
Webster First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.56% | +8.38 pp |
| Delinquency Rate | 0.55% | -0.33 pp |
| Return on Assets | 1.19% | +0.68 pp |
| Member Growth | -6.07% | - |
| Loan-to-Share Ratio | 121.91% | +38.01 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Webster First quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.50B | - |
| 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
Branch Locations (16)
Webster First operates 16 offices across 14 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Operations Center (Main Office) | Worcester, MA |
| Auburn | Auburn, MA |
| Cambridge Teachers | Cambridge, MA |
| Charlton | Charlton, MA |
| Vital Records | Douglas, MA |
| Douglas | Douglas, MA |
| Dudley | Dudley, MA |
| Fitchburg | Fitchburg, MA |
| Hopkinton | Hopkinton, MA |
| Saugus Main | Saugus, MA |
| Spencer | Spencer, MA |
| Webster | Webster, MA |
| West Boylston | West Boylston, MA |
| Whitinsville | Whitinsville, MA |
| Winthrop | Winthrop, MA |
| Worcester | Worcester, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Webster First nationwide neighbourhoods
Using this data
- Webster First ranks #3,447 of 4,374 nationally on financial health and #105 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sharon & Crescent United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sharon & Crescent United
Frequently Asked Questions
Is Webster First financially healthy?
On its 2025Q4 NCUA 5300 filing, Webster First scores 72/100 (Very Good), with a 19.56% net worth ratio and 0.55% of loans delinquent. It ranks #3,447 of 4,374 nationally on health and #105 of 126 in Massachusetts.
How does Webster First compare to other credit unions?
Webster First scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (121.91% vs 83.90%).
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?
Webster First is a federal credit union; its shares are federally 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 19.56% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.