Side-by-side · Q2 2026 data
Main Street Bank vs Webster First Federal Credit Union
Credit union
Webster First Federal Credit Union
Worcester, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Main Street Bank | Webster First Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 87 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 44 | 86 (stronger) |
| Earnings | 45 | 90 (stronger) |
| Funding & liquidity | 58 (stronger) | 50 |
| Problem-loan coverage | 78 | 96 (stronger) |
| Peer percentile | 17th | 96th |
| Total assets | $1.7B | $1.5B |
| Deposits / shares | $1.4B | $1.1B |
| Capital ratio | 12.04% | 19.66% (stronger) |
| Problem loans | 1.69% | 0.41% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.05% |
| Return on assets | 0.63% | 1.76% (stronger) |
| Loans ÷ deposits | 89.3% (stronger) | 125.5% |
| Uninsured deposits | 26.3% | 9.7% (stronger) |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.9% | 21.0% |
Webster First Federal Credit Union has the higher TellerScore (87 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Main Street Bank leads on 2 and Webster First Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.