State credit union · PASADENA, California · NCUA charter #66703
Wescom Central
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $6.31B
- Total assets
- 261,174
- Members
- 7.9%
- Net-worth ratio
Wescom Central scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.31B; members 261,174; net-worth ratio 7.88%; health rank #1,172 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,172 of 4,374 health · 2025Q4Wescom Central · health 90/100 · $6.31B · 2025Q4
- NW 90/100
- DELQ 7.9%
- ROA 0.39%
- ASSETS 0.29%
- MEM $6.31B
- RANK 261,174
- PHOTO #1,172/4,374
- BOOK University of Wisconsin
- CHARTER 66703
Call Report peers
Wescom Central in the assets neighbourhood
Wescom Central's $6.31B assets sit next to University of Wisconsin ($6.30B) 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.
Wescom Central 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
90 Top 27% higher than 73% 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
Wescom Central - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66703. See our deposit-insurance coverage note.
Peer-gap read for Wescom Central
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.48 pp (0.39% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.14 pp (79.76% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wescom Central in California
- California health ordinal: #72 of 243.
- California assets place: #11 of 243.
- Member book place in California: #11 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Wescom Central: 2025Q4 → 2026Q1
Wescom Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $6.31B (2025Q4) to $6.47B (2026Q1).
- Net-worth ratio shifted -0.15 pp (8.03% → 7.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 24.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.9 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 15.1 pts
Wescom Central health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.88% | -3.30 pp |
| Delinquency Rate | 0.39% | -0.48 pp |
| Return on Assets | 0.29% | -0.21 pp |
| Member Growth | 3.56% | - |
| Loan-to-Share Ratio | 79.76% | -4.14 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).
Call Report history - Wescom Central
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.47B | - |
| 2025Q4 | $6.31B | 261,174 |
| 2024Q4 | $6.28B | 252,184 |
| 2023Q4 | $5.82B | 229,317 |
Credit Union Details
- Charter Number
- 66703
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- PASADENA
- Data Quarter
- 2025Q4
Branch Locations (32)
Per its most recent NCUA branch filing, Wescom Central runs 32 offices in 29 different cities.
| Office | City |
|---|---|
| Pasadena (Main Office) | Pasadena, CA |
| Ops Center | Anaheim, CA |
| Anaheim | Anaheim, CA |
| Knott's Berry Farm | Buena Park, CA |
| Corona | Corona, CA |
| Costa Mesa | Costa Mesa, CA |
| Culver City | Culver City, CA |
| Hawthorne | Hawthorne, CA |
| Irvine | Irvine, CA |
| King City | King City, CA |
| La Habra | La Habra, CA |
| Laguna Niguel | Laguna Niguel, CA |
| UCLA Campus Branch | Los Angeles, CA |
| West Los Angeles | Los Angeles, CA |
| Marina | Marina, CA |
| Ontario | Ontario, CA |
| Orange | Orange, CA |
| Oxnard | Oxnard, CA |
| Palmdale | Palmdale, CA |
| Pasadena | Pasadena, CA |
| Redlands | Redlands, CA |
| Riverside | Riverside, CA |
| Salinas | Salinas, CA |
| Santa Clarita | Santa Clarita, CA |
| Sherman Oaks | Sherman Oaks, CA |
| Signal Hill | Signal Hill, CA |
| Simi Valley | Simi Valley, CA |
| Soledad | Soledad, CA |
| Thousand Oaks | Thousand Oaks, CA |
| Torrance | Torrance, CA |
| Tustin | Tustin, CA |
| West Covina | West Covina, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for Wescom Central
Two NCUA Call Report peer sets for Wescom Central, both outside California 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 ($6.31B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Wescom Central ranks #1,172 of 4,374 nationally on financial health and #72 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KINECTA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KINECTA
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 Wescom Central financially healthy?
A 7.88% net worth ratio and a 0.39% delinquency rate feed into Wescom Central's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,172 of 4,374; by total assets it ranks #63 of 4,374 nationally (same basis as /rankings/largest); and #11 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Wescom Central compare to other credit unions?
90/100 is Wescom Central's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Wescom Central?
Membership eligibility for Wescom Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wescom Central directly for current membership requirements and application steps.
Is my money safe at Wescom Central?
Federal credit unions like Wescom Central 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. Wescom Central's net worth ratio of 7.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wescom Central offer compared to banks?
Credit unions like Wescom Central 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 Wescom Central 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.