BlastPoint's Credit Union Scorecard
WEBSTER FIRST
Charter #24557 · MA
WEBSTER FIRST has 8 strengths but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 12.3% in tier
- + ROA 0.94% above tier average
- + Net Interest Margin 0.11% above tier average
- + Loan-to-Share Ratio: Top 0.0% in tier
- + Net Worth Ratio: Top 2.3% in tier
- + Efficiency Ratio: Top 3.6% in tier
- + AMR Growth Rate: Top 4.0% in tier
- + Net Charge-Off Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.2% in tier
- - Membership Headwinds: Bottom 22.6% in tier
- - Stagnation Risk: Bottom 70.2% in tier
- - Credit Risk Growth: Bottom 75.5% in tier
- - Liquidity Overhang: Bottom 87.5% in tier
- - Credit Quality Pressure: Bottom 98.6% in tier
- - Member decline: -6.1% YoY
- - Fee Income Per Member: Bottom 5.6% in tier
- - Member Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
84,649
-6.1% YoY-5.3% QoQ
|
-12.8K |
97,431
-2.4% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$1.5B
+3.0% YoY+0.7% QoQ
|
$-237.0M |
$1.7B
+0.9% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$1.3B
+10.1% YoY+4.0% QoQ
|
+$32.0M |
$1.2B
+0.5% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$1.0B
+3.7% YoY-1.4% QoQ
|
$-420.5M |
$1.5B
+0.9% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
1.6%
+32.2% YoY+3.7% QoQ
|
+0.9% |
0.7%
+20.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Top 3.3% in tier |
| NIM |
3.4%
+15.8% YoY+2.9% QoQ
|
+0.1% |
3.3%
+9.2% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
57.5%
-9.0% YoY-0.3% QoQ
|
-16.6% |
74.1%
-9.5% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate |
0.5%
+1.4% YoY+6.1% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
121.9%
+6.2% YoY+5.5% QoQ
|
+37.1% |
84.8%
-0.8% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 0.3% in tier |
| AMR |
$27,233
+14.0% YoY+7.2% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
26.6%
+9.9% YoY-6.6% QoQ
|
-2.4% | 29.0% | 25.0% | 19.8% | 40% |
| Indirect Auto % |
11.3%
-29.3% YoY-9.1% QoQ
|
-7.0% | 18.3% | 2.4% | 7.8% | 40% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)