State credit union · Willoughby, Ohio · NCUA charter #61233
WES
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $13.9M
- Total assets
- 1,509
- Members
- 9.8%
- Net-worth ratio
WES scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.9M; members 1,509; net-worth ratio 9.80%; health rank #3,545 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,545 of 4,374 health · 2025Q4WES · health 71/100 · $13.9M · 2025Q4
Call Report peers
WES in the assets neighbourhood
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WES vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WES sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
WES vs $10M–$50M peers
- Delinquency Rate leads the peer set - 1.14% here, 1.15% peer average (-0.00 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -32.79 pp (27.01% vs 59.80%).
Ohio standing for WES
- Ohio health ordinal: #164 of 196.
- Ohio assets place: #158 of 196.
- Ohio membership ordinal: #160 of 196.
- One place up in Ohio, 540 I.B.E.W. (#163) ties at 71/100; one place down, Ih Credit Union, Inc. (#165) scores 70/100, 1 point lower.
How WES's 5300 filing moved
WES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $13.9M (2025Q4) to $14.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (9.96% → 9.80%).
9.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
WES gives up 29 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio loses the least, 0.5.
- Net Worth Ratio 29.5 pts
- Delinquency Rate 18.9 pts
- Return on Assets 14.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.5 pts
WES health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.80% | -5.06 pp |
| Delinquency Rate | 1.14% | -0.00 pp |
| Return on Assets | 0.44% | -0.27 pp |
| Member Growth | -13.92% | - |
| Loan-to-Share Ratio | 27.01% | -32.79 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
WES filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.4M | - |
| 2025Q4 | $13.9M | 1,509 |
| 2024Q4 | $14.1M | 1,753 |
| 2023Q4 | $14.1M | 1,625 |
Credit Union Details
- Charter Number
- 61233
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Willoughby
- Data Quarter
- 2025Q4
Branch Location
WES operates a single office in Willoughby, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Willoughby, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
WES nationwide neighbourhoods
Using this data
- WES ranks #3,545 of 4,374 nationally on financial health and #164 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Faith Community United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Faith Community United
Frequently Asked Questions
Is WES financially healthy?
WES has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,545 of 4,374 nationally on health and #164 of 196 in Ohio. Its net worth ratio is 9.80% and its delinquency rate 1.14%.
How does WES compare to other credit unions?
WES scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (1.14% vs 1.15%). Its widest shortfall is loan-to-share ratio (27.01% vs 59.80%).
How can I join WES?
Membership eligibility for WES depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WES directly for current membership requirements and application steps.
Is my money safe at WES?
WES is a state-chartered credit union; its shares are federally 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. WES's net worth ratio of 9.80% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.