Side-by-side · Q2 2026 data
Citizens Bank, National Association vs Webster First Federal Credit Union
Credit union
Webster First Federal Credit Union
Worcester, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Citizens Bank, National Association | Webster First Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 87 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 55 | 86 (stronger) |
| Earnings | 60 | 90 (stronger) |
| Funding & liquidity | 46 | 50 (stronger) |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 3rd | 96th |
| Total assets | $232.5B | $1.5B |
| Deposits / shares | $188.7B | $1.1B |
| Capital ratio | 9.39% | 19.66% (stronger) |
| Problem loans | 1.36% | 0.41% (stronger) |
| Net charge-offs | 0.37% | 0.05% (stronger) |
| Return on assets | 0.99% | 1.76% (stronger) |
| Loans ÷ deposits | 78.0% (stronger) | 125.5% |
| Uninsured deposits | 47.5% | 9.7% (stronger) |
| Offices | 968 | 11 |
| CFPB complaints (3 yrs) | 6,060 | — |
| Complaints per $1B deposits | 32.1 | — |
| Mortgage denial rate (HMDA) | 32.5% | 21.0% |
Webster First Federal Credit Union has the higher TellerScore (87 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank, National Association leads on 1 and Webster First Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.