WEBSTER FIRST
Charter #24557 · Worcester, MA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.56% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.73% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.62% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.05% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 57.96% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WEBSTER FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.50B | 31th pct | 61th pct |
| Members | 84,905 | 32th pct | 61th pct |
| Net worth ratio | 19.56% | 99th pct | 93th pct |
| Return on average assets | 1.73% | 96th pct | 95th pct |
| Net interest margin | 3.62% | 69th pct | 80th pct |
| Cost of funds | 1.85% | 53th pct | 43th pct |
| Loan-to-share | 123.87% | 100th pct | 98th pct |
| Delinquency 60+ days | 0.36% | 21th pct | 30th pct |
| Net charge-off ratio | 0.05% | 3th pct | 13th pct |
| Loan growth YoY | 6.76% | 90th pct | 95th pct |
| Share growth YoY | -0.43% | 4th pct | 8th pct |
| Efficiency ratio | 57.96% | 8th pct | 3th pct |
structural peer set hash: c66bfd4ebcd9616590bda045a21e5571… (reproducible)
Closest structural peers
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Claim WEBSTER FIRST
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.