State credit union · Kentwood, Michigan · NCUA charter #61677
Community West
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $248.7M
- Total assets
- 18,011
- Members
- 9.1%
- Net-worth ratio
Community West scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $248.7M; members 18,011; net-worth ratio 9.09%; health rank #3,293 of 4,374; healthier than 24th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,293 of 4,374 health · 2025Q4Community West · health 75/100 · $248.7M · 2025Q4
- ROA 75/100
- ASSETS 9.1%
- MEM 0.37%
- RANK 0.00%
- PHOTO $248.7M
- BOOK 18,011
- CHARTER #3,293/4,374
- NCUSIF TRUCHOICE
- CAMELS 61677
Call Report peers
Community West in the assets neighbourhood
Community West's $248.7M assets sit next to TRUCHOICE ($248.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Community West vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Community West - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61677, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Community West: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.37% here, 0.89% peer average (-0.53 pp).
- Loan-to-Share Ratio trails the peer set - 64.91% here, 72.20% peer average (-7.29 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Community West sits in Michigan
- Health composite ranks #154 of 171 among scored Michigan credit unions.
- By total assets, Community West is #72 of 171 in Michigan.
- Michigan membership ordinal: #69 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Community West: 2025Q4 → 2026Q1
Community West: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $248.7M (2025Q4) to $255.4M (2026Q1).
- Net-worth ratio shifted -0.06 pp (9.15% → 9.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.6 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 13.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.09% | -3.02 pp |
| Delinquency Rate | 0.37% | -0.53 pp |
| Return on Assets | 0.00% | -0.62 pp |
| Member Growth | -2.86% | - |
| Loan-to-Share Ratio | 64.91% | -7.29 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Community West
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $255.4M | - |
| 2025Q4 | $248.7M | 18,011 |
| 2024Q4 | $244.7M | 18,542 |
| 2023Q4 | $257.0M | 19,590 |
Credit Union Details
- Charter Number
- 61677
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Kentwood
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Community West runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Broadmoor (Main Office) | Kentwood, MI |
| Comstock Park | Comstock Park, MI |
| Grandville | Grandville, MI |
| Middleville | Middleville, MI |
| Rockford | Rockford, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Cross-state Call Report peers for Community West
Cross-state asset and health neighbours for Community West - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($248.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Community West ranks #3,293 of 4,374 nationally on financial health and #154 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Chief Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Chief Financial
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Community West financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Community West carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,293 of 4,374; by total assets it ranks #1,145 of 4,374 nationally (same basis as /rankings/largest); and #72 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.09% net worth ratio and a 0.37% delinquency rate.
How does Community West compare to other credit unions?
Community West scores 75/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Community West?
Membership eligibility for Community West depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community West directly for current membership requirements and application steps.
Is my money safe at Community West?
Federal credit unions like Community West are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Community West's net worth ratio of 9.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community West offer compared to banks?
Credit unions like Community West are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Community West directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.