Side-by-side · Q2 2026 data
Webster First Federal Credit Union vs Harvard Federal Credit Union
Credit union
Webster First Federal Credit Union
Worcester, Massachusetts · $1 billion – $10 billion
Credit union
Harvard Federal Credit Union
Cambridge, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Webster First Federal Credit Union | Harvard Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 38 |
| Loan quality | 86 (stronger) | 62 |
| Earnings | 90 (stronger) | 31 |
| Funding & liquidity | 50 | 51 (stronger) |
| Problem-loan coverage | 96 (stronger) | 79 |
| Peer percentile | 96th | 5th |
| Total assets | $1.5B | $1.2B |
| Deposits / shares | $1.1B | $922.7M |
| Capital ratio | 19.66% (stronger) | 8.81% |
| Problem loans | 0.41% (stronger) | 1.13% |
| Net charge-offs | 0.05% (stronger) | 0.44% |
| Return on assets | 1.76% (stronger) | 0.28% |
| Loans ÷ deposits | 125.5% | 109.1% (stronger) |
| Uninsured deposits | 9.7% (stronger) | 10.1% |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.0% | — |
Webster First Federal Credit Union has the higher TellerScore (87 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Webster First Federal Credit Union leads on 6 and Harvard Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.