BlastPoint's Credit Union Scorecard

WEBSTER FIRST

Charter #24557 · MA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 10 in MA

View Mid-Market leaderboard →

WEBSTER FIRST has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 7.5% in tier
+ ROA 0.96% above tier average
+ Net Interest Margin 0.22% above tier average
+ Loan-to-Share Ratio: Top 0.1% in tier
+ Net Worth Ratio: Top 2.0% in tier
+ Net Charge-Off Rate: Top 3.3% in tier
+ Efficiency Ratio: Top 5.3% in tier
+ AMR Growth Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.3% in tier
- Membership Headwinds: Bottom 95.2% in tier
- Stagnation Risk: Bottom 95.2% in tier
- Member decline: -5.7% YoY
- Member Growth Rate: Bottom 5.7% in tier
- Fee Income Per Member: Bottom 6.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Massachusetts.
Shares and deposits -0.2% year over year ($1.06B in shares and deposits).
Membership: 85,320 members, -5.7% vs a year ago.
Delinquency rate 0.41%.
Return on assets 1.78%.
Efficiency ratio 57.27% vs a 73.02% peer average.
Loan-to-share ratio 125.49% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	85,320 -5.7% YoY+0.5% QoQ	-11.5K	96,861 -1.9% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	48%
Assets	$1.5B +1.8% YoY+1.8% QoQ	$-196.5M	$1.7B +0.4% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	52%
Loans	$1.3B +10.3% YoY+2.3% QoQ	+$94.7M	$1.2B +0.7% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	65%
Deposits	$1.1B -0.2% YoY+0.9% QoQ	$-404.3M	$1.5B +0.5% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	27%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.8% +23.8% YoY+3.2% QoQ	+1.0%	0.8% +27.6% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	Top 4.0% in tier
NIM	3.6% +14.6% YoY+1.2% QoQ	+0.2%	3.4% +6.6% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	65%
Efficiency Ratio	57.3% -3.6% YoY-1.2% QoQ	-15.7%	73.0% -2.7% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Top 5.3% in tier
Delinquency Rate	0.4% -21.5% YoY+13.6% QoQ	-0.5	0.9% +7.3% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	21%
Loan To Share	125.5% +10.5% YoY+1.3% QoQ	+40.8%	84.7% +0.1% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	Top 0.3% in tier
AMR	$27,988 +11.7% YoY+1.2% QoQ	$-2K	$29,575 +1.5% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	49%
CD Concentration	27.5% -1.4% YoY+3.5% QoQ	-1.6%	29.1%	25.4%	20.0%	44%
Indirect Auto %	10.3% -23.8% YoY-2.8% QoQ	-7.8%	18.1%	2.4%	7.7%	38%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#28 of 125 • Top 7.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 11.72%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank improving

Concerns (3)

Liquidity Strain

risk

#4 of 168 • Bottom 0.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 125.49%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 10.27%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#19 of 86 • Bottom 95.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.70%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

Stagnation Risk

risk

#54 of 86 • Bottom 95.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.70%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 10.27%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.41%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 300 peers in tier

Top Strengths (9 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 125.49%

Peer Median: 87.07%

#1 of 300 Top 0.1% in 1B-3B tier

Net Worth Ratio

risk

Value: 19.66%

Peer Median: 10.91%

#7 of 300 Top 2.0% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.52%

#11 of 300 Top 3.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.78%

Peer Median: 0.77%

#12 of 300 Top 3.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 57.27%

Peer Median: 73.62%

#17 of 300 Top 5.3% in 1B-3B tier

AMR Growth Rate

growth

Value: 11.72%

Peer Median: 3.19%

#25 of 300 Top 8.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.41%

Peer Median: 0.70%

#63 of 300 Top 20.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,576

Peer Median: $12,809

#65 of 300 Top 21.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.27%

Peer Median: 5.71%

#68 of 300 Top 22.3% in 1B-3B tier

Top Weaknesses (5 metrics)

284

Member Growth Rate

growth

Value: -5.70%

Peer Median: 1.84%

#284 of 300 Bottom 5.7% in 1B-3B tier

282

Fee Income Per Member

profitability

Value: $101.95

Peer Median: $204.73

#282 of 300 Bottom 6.3% in 1B-3B tier

264

Deposit Growth Rate

growth

Value: -0.22%

Peer Median: 4.79%

#264 of 300 Bottom 12.3% in 1B-3B tier

229

Asset Growth Rate

growth

Value: 1.77%

Peer Median: 5.21%

#229 of 300 Bottom 24.0% in 1B-3B tier

227

First Mortgage Concentration (%)

balance_sheet

Value: 42.80%

Peer Median: 33.59%

#227 of 300 Bottom 24.7% in 1B-3B tier