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
- ROA 72/100
- ASSETS 19.6%
- MEM 0.55%
- RANK 1.19%
- PHOTO $1.49B
- BOOK 84,649
- CHARTER #3,447/4,374
- NCUSIF Dade County
- CAMELS 24557
Call Report peers
Webster First in the assets neighbourhood
Webster First's $1.49B assets sit next to Dade County ($1.48B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - 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 vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +38.01 pp (121.91% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Webster First sits in Massachusetts
- Massachusetts health ordinal: #105 of 126.
- Massachusetts assets place: #9 of 126.
- Massachusetts membership ordinal: #9 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Webster First: 2025Q4 → 2026Q1
Webster First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $1.49B (2025Q4) to $1.50B (2026Q1).
- Net-worth ratio shifted +0.25 pp (19.31% → 19.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Webster First's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.49B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,447 of 4,374; by total assets it ranks #320 of 4,374 nationally (same basis as /rankings/largest); and #9 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.56% 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 19.56% 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.
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.