TellerScore

Headquartered in Worcester, Massachusetts, Webster First Federal Credit Union is a federal credit union with $1.5B in total assets and $1.1B in member shares and deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1934.

Webster First Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 18th. Capital cushion contributes the most (100/100, 19.66%); funding & liquidity contributes the least (50/100, 125% loans-to-deposits, 10% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.66%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings90/100
Return on assets (annualized): 1.76%
Funding & liquidity50/100
Loans ÷ shares: 125.5% · 9.7% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (83 → 87), mostly because the earnings component improved by 13 points.

TellerScore
808487Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202481
Q4 202481
Q1 202584
Q2 202583
Q3 202584
Q4 202585
Q1 202687
Q2 202687
Net worth ratio
7.00%13.33%19.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.26%
Q3 202418.03%
Q4 202418.32%
Q1 202518.32%
Q2 202518.32%
Q3 202519.09%
Q4 202519.31%
Q1 202619.56%
Q2 202619.66%
Delinquent loans (60+ days)
0.36%0.47%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.58%
Q3 20240.53%
Q4 20240.54%
Q1 20250.39%
Q2 20250.52%
Q3 20250.51%
Q4 20250.55%
Q1 20260.36%
Q2 20260.41%
Return on assets
1.06%1.41%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.19%
Q4 20241.23%
Q1 20251.36%
Q2 20251.42%
Q3 20251.58%
Q4 20251.62%
Q1 20261.72%
Q2 20261.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$1.5B19.66%0.41%1.76%125.5%
Q1 202687$1.5B19.56%0.36%1.72%123.9%
Q4 202585$1.5B19.31%0.55%1.62%121.9%
Q3 202584$1.5B19.09%0.51%1.58%115.5%
Q2 202583$1.5B18.32%0.52%1.42%113.6%
Q1 202584$1.5B18.32%0.39%1.36%114.6%
Q4 202481$1.4B18.32%0.54%1.23%114.8%
Q3 202481$1.4B18.03%0.53%1.19%112.7%
Q2 202480$1.5B17.26%0.58%1.06%111.0%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio19.66%
98th
Problem loans0.41%
79th
Net charge-offs0.05%
98th
Return on assets1.76%
97th
Loans to deposits125.5%
0th
Uninsured deposits9.7%
45th
Loan-loss reserves0.00%
50th
Texas ratio1.9%
88th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Sharon & Crescent United Credit UnionCredit union Sharon, MA76 out of 100, Strong$1.4B12.8%0.43%vs
St. Anne'S Credit UnionCredit union Fall River, MA66 out of 100, Moderate$1.4B9.7%0.35%vs
Greylock Federal Credit UnionCredit union Pittsfield, MA67 out of 100, Moderate$1.8B12.8%1.35%vs
Harvard Federal Credit UnionCredit union Cambridge, MA49 out of 100, Below average$1.2B8.8%1.13%vs
St. Mary'S Credit UnionCredit union Marlborough, MA71 out of 100, Strong$1.0B11.7%0.08%vs
Hanscom Federal Credit UnionCredit union Hanscom AFB, MA64 out of 100, Moderate$2.2B10.5%0.51%vs

Deposit insurance

Is my money safe at Webster First Federal Credit Union?

Yes. Webster First Federal Credit Union is a federally insured credit union (NCUA charter #24557). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.7% of shares and deposits ($103.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 19.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Webster First Federal Credit Union lists 11 offices in 9 cities. Most locations:

  • Douglas, MA (2)
  • Worcester, MA (2)
  • Auburn, MA (1)
  • Charlton, MA (1)
  • Dudley, MA (1)
  • Spencer, MA (1)
  • Webster, MA (1)
  • West Boylston, MA (1)
  • Whitinsville, MA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Webster First Federal Credit Union reported 497 home-loan applications under HMDA (LEI 549300LI67PLCC1Z3P80): 336 originated ($188,680,000 total), 95 denied, and 45 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Webster First Federal Credit Union
Type
Federal credit union
NCUA charter #
24557
RSSD ID
554996
Primary regulator
NCUA
Established
1934
Headquarters
271 Greenwood St, P O Box 70505, Worcester, MA 01607
Employees
221

Quick answers

Webster First Federal Credit Union: common questions

Is Webster First Federal Credit Union NCUA insured?

Yes. Webster First Federal Credit Union is a federally insured credit union (NCUA charter #24557). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Webster First Federal Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Webster First Federal Credit Union have?

11 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Worcester

InstitutionScoreAssetsCapitalProblem loansCompare
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Allcom Credit UnionCredit union Worcester, MA85 out of 100, Very strong$81.8M16.6%0.07%vs
Leominster Employees Federal Credit UnionCredit union Leominster, MA80 out of 100, Strong$30.0M11.2%0.01%vs
Middlesex Savings BankBank Natick, MA79 out of 100, Strong$6.1B13.4%0.33%vs
Worcester Fire Dept. Credit UnionCredit union Worcester, MA78 out of 100, Strong$47.1M13.2%0.91%vs
Cumberland Municipal Employees Federal Credit UnionCredit union Cumberland, RI78 out of 100, Strong$9.2M19.3%0.95%vs