Side-by-side · Q2 2026 data
Monson Savings Bank vs Webster First Federal Credit Union
Credit union
Webster First Federal Credit Union
Worcester, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Monson Savings Bank | Webster First Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 87 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 92 (stronger) | 86 |
| Earnings | 60 | 90 (stronger) |
| Funding & liquidity | 54 (stronger) | 50 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 31st | 96th |
| Total assets | $806.3M | $1.5B |
| Deposits / shares | $721.9M | $1.1B |
| Capital ratio | 9.55% | 19.66% (stronger) |
| Problem loans | 0.23% (stronger) | 0.41% |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 0.99% | 1.76% (stronger) |
| Loans ÷ deposits | 87.8% (stronger) | 125.5% |
| Uninsured deposits | 31.5% | 9.7% (stronger) |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 21.0% |
Webster First Federal Credit Union has the higher TellerScore (87 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Monson Savings Bank leads on 3 and Webster First Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.