State credit union · Glendale, Arizona · NCUA charter #68421
Credit Union West
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $1.42B
- Total assets
- 95,168
- Members
- 10.3%
- Net-worth ratio
Credit Union West scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.42B; members 95,168; net-worth ratio 10.31%; health rank #67 of 4,374; healthier than 98th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#67 of 4,374 health · 2025Q4Credit Union West · health 99/100 · $1.42B · 2025Q4
- ASSETS 99/100
- MEM 10.3%
- RANK 0.40%
- PHOTO 0.86%
- BOOK $1.42B
- CHARTER 95,168
- NCUSIF #67/4,374
- CAMELS PARK
- HEALTH 68421
Call Report peers
Credit Union West in the assets neighbourhood
Credit Union West's $1.42B assets sit next to PARK ($1.42B) 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.
Credit Union 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
99 Top 2% higher than 98% 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
Credit Union West - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68421. See our deposit-insurance coverage note.
Credit Union West vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 89.46% here, 83.90% peer average (+5.56 pp).
- Net Worth Ratio trails the peer set - 10.31% here, 11.18% peer average (-0.87 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arizona standing for Credit Union West
- In Arizona, health place is #2 of 33 on the same NCUA-ratio sort used nationally.
- Arizona assets place: #8 of 33.
- Membership ranks #6 of 33 among Arizona CUs with a reported count (95,168 members).
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Credit Union West's 5300 filing moved
Credit Union West: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $1.42B (2025Q4) to $1.45B (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.47% → 10.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.6 pts
- Loan-to-Share Ratio 15.4 pts
Credit Union West vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.31% | -0.87 pp |
| Delinquency Rate | 0.40% | -0.48 pp |
| Return on Assets | 0.86% | +0.35 pp |
| Member Growth | 3.82% | - |
| Loan-to-Share Ratio | 89.46% | +5.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Credit Union West filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.45B | - |
| 2025Q4 | $1.42B | 95,168 |
| 2024Q4 | $1.30B | 91,663 |
| 2023Q4 | $1.21B | 90,131 |
Credit Union Details
- Charter Number
- 68421
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Arizona
- City
- Glendale
- Data Quarter
- 2025Q4
Branch Locations (15)
The NCUA branch filing lists 15 physical offices for Credit Union West, spread across 10 cities.
| Office | City |
|---|---|
| Corporate (Main Office) | Glendale, AZ |
| Avondale | Avondale, AZ |
| Buckeye | Buckeye, AZ |
| Cottonwood | Cottonwood, AZ |
| Arrowhead | Glendale, AZ |
| Luke AFB | Glendale, AZ |
| Westgate | Glendale, AZ |
| Cactus | Peoria, AZ |
| Lake Pleasant Branch | Peoria, AZ |
| Papago | Phoenix, AZ |
| Biltmore | Phoenix, AZ |
| Prescott | Prescott, AZ |
| Prescott Valley | Prescott Valley, AZ |
| Kierland | Scottsdale, AZ |
| Surprise | Surprise, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
Other federally-insured credit unions in Arizona, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Credit Union West, both outside Arizona so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.42B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- Credit Union West ranks #67 of 4,374 nationally on financial health and #2 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PIMA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PIMA
- Rates and health both vary by institution, not just by state -- see how Arizona credit unions compare overall before assuming this one is typical. Arizona 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 Credit Union West financially healthy?
A 10.31% net worth ratio and a 0.40% delinquency rate feed into Credit Union West's financial health score of 99/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #67 of 4,374; by total assets it ranks #349 of 4,374 nationally (same basis as /rankings/largest); and #8 of 33 within Arizona. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Credit Union West compare to other credit unions?
Five weighted metrics from NCUA filings produce Credit Union West's 99/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Credit Union West?
Membership eligibility for Credit Union West depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union West directly for current membership requirements and application steps.
Is my money safe at Credit Union West?
Federal credit unions like Credit Union 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. Credit Union West's net worth ratio of 10.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union West offer compared to banks?
Credit unions like Credit Union 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 Credit Union 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.