Side-by-side · Q2 2026 data
Webster Five Cents 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 | Webster Five Cents Savings Bank | Webster First Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 87 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 85 | 86 (stronger) |
| Earnings | 55 | 90 (stronger) |
| Funding & liquidity | 37 | 50 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 58th | 96th |
| Total assets | $1.3B | $1.5B |
| Deposits / shares | $1.0B | $1.1B |
| Capital ratio | 12.52% | 19.66% (stronger) |
| Problem loans | 0.46% | 0.41% (stronger) |
| Net charge-offs | 0.49% | 0.05% (stronger) |
| Return on assets | 0.87% | 1.76% (stronger) |
| Loans ÷ deposits | 97.0% (stronger) | 125.5% |
| Uninsured deposits | 39.0% | 9.7% (stronger) |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.7% | 21.0% |
Webster First Federal Credit Union has the higher TellerScore (87 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Webster Five Cents Savings Bank leads on 1 and Webster First Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Worcester, MA
- Auburn, MA
- Dudley, MA
- Webster, MA