BlastPoint's Credit Union Scorecard
WEBSTER FIRST
Charter #24557 · MA
WEBSTER FIRST has 8 strengths but faces 6 concerns
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 17.0% in tier
- + Wallet Share Momentum: Top 36.5% in tier
- + ROA 0.86% above tier average
- + Net Interest Margin 0.03% above tier average
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Net Worth Ratio: Top 2.3% in tier
- + Efficiency Ratio: Top 3.3% in tier
- + Net Charge-Off Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.3% in tier
- - Stagnation Risk: Bottom 2.5% in tier
- - Membership Headwinds: Bottom 14.2% in tier
- - Liquidity Overhang: Bottom 81.2% in tier
- - Member decline: -3.1% YoY
- - Fee Income Per Member: Bottom 4.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89,394
-3.1% YoY-1.2% QoQ
|
-9.3K |
98,678
-1.9% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$1.5B
+1.9% YoY-1.6% QoQ
|
$-242.9M |
$1.7B
+0.5% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$1.2B
+6.5% YoY+1.0% QoQ
|
$-15.8M |
$1.2B
+0.5% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$1.1B
+3.9% YoY-0.7% QoQ
|
$-400.6M |
$1.5B
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
25% |
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| ROA |
1.6%
+32.4% YoY+8.8% QoQ
|
+0.9% |
0.7%
+13.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Top 4.6% in tier |
| NIM |
3.3%
+16.1% YoY+3.4% QoQ
|
+0.0% |
3.3%
+9.3% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
57.7%
-9.6% YoY-2.9% QoQ
|
-16.3% |
74.0%
-10.9% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
0.5%
-3.2% YoY-0.2% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
115.5%
+2.5% YoY+1.7% QoQ
|
+30.3% |
85.2%
-0.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 1.0% in tier |
| AMR |
$25,404
+8.7% YoY+1.4% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
28.5%
+14.1% YoY+2.3% QoQ
|
-0.5% |
29.0%
+0.7% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.5%
-28.1% YoY-7.8% QoQ
|
-6.3% |
18.8%
-3.0% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
41% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)