BlastPoint's Credit Union Scorecard
WEBSTER FIRST
Charter #24557 · MA
WEBSTER FIRST has 8 strengths but faces 6 concerns
How does the industry compare?
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 5.5% in tier
- + ROA 1.01% above tier average
- + Net Interest Margin 0.25% above tier average
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Net Worth Ratio: Top 1.3% in tier
- + Net Charge-Off Rate: Top 3.6% in tier
- + Efficiency Ratio: Top 3.9% in tier
- + AMR Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.3% in tier
- - Membership Headwinds: Bottom 95.0% in tier
- - Stagnation Risk: Bottom 95.0% in tier
- - Member decline: -6.0% YoY
- - Member Growth Rate: Bottom 5.9% in tier
- - Fee Income Per Member: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
84,905
-6.0% YoY+0.3% QoQ
|
-11.1K |
96,048
-2.7% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$1.5B
+2.0% YoY+0.9% QoQ
|
$-219.7M |
$1.7B
+0.4% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$1.3B
+10.8% YoY+2.6% QoQ
|
+$85.9M |
$1.2B
+0.2% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$1.0B
+2.5% YoY+1.0% QoQ
|
$-416.4M |
$1.5B
+0.5% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
1.7%
+25.9% YoY+6.3% QoQ
|
+1.0% |
0.7%
+27.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
Top 3.6% in tier |
| NIM |
3.6%
+14.1% YoY+6.4% QoQ
|
+0.3% |
3.4%
+6.2% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
58.0%
-4.5% YoY+0.8% QoQ
|
-16.7% |
74.6%
-3.0% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Top 3.9% in tier |
| Delinquency Rate |
0.4%
-8.3% YoY-34.7% QoQ
|
-0.4 |
0.8%
+6.9% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
123.9%
+8.1% YoY+1.6% QoQ
|
+40.7% |
83.2%
-0.4% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Top 0.3% in tier |
| AMR |
$27,663
+13.7% YoY+1.6% QoQ
|
$-2K |
$29,652
+2.3% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
26.5%
+3.3% YoY-0.3% QoQ
|
-2.3% | 28.8% | 25.2% | 19.8% | 41% |
| Indirect Auto % |
10.6%
-28.7% YoY-6.5% QoQ
|
-7.5% | 18.1% | 2.3% | 7.7% | 40% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
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)