Federal credit union · Beaver, Pennsylvania · NCUA charter #6233
WEST-AIRCOMM
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $366.3M
- Total assets
- 21,822
- Members
- 12.1%
- Net-worth ratio
WEST-AIRCOMM scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $366.3M; members 21,822; net-worth ratio 12.13%; health rank #2,740 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,740 of 4,374 health · 2025Q4WEST-AIRCOMM · health 80/100 · $366.3M · 2025Q4
- PHOTO 80/100
- BOOK 12.1%
- CHARTER 2.35%
- NCUSIF 0.62%
- CAMELS $366.3M
- HEALTH 21,822
- NW #2,740/4,374
- DELQ Missouri Electric Cooperatives Empl
- ROA 6233
Call Report peers
WEST-AIRCOMM in the assets neighbourhood
WEST-AIRCOMM's $366.3M assets sit next to Missouri Electric Cooperatives Empl ($366.3M) 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.
WEST-AIRCOMM 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
80 36th percentile higher than 36% 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
WEST-AIRCOMM - Share Insurance Coverage
Charter #6233's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for WEST-AIRCOMM
- Loan-to-Share Ratio leads the peer set - 78.63% here, 72.20% peer average (+6.43 pp).
- Largest lag: Delinquency Rate at 2.35% vs peer 0.89% (+1.46 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
WEST-AIRCOMM in Pennsylvania
- Pennsylvania health ordinal: #156 of 275.
- Pennsylvania assets place: #30 of 275.
- Pennsylvania membership ordinal: #30 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How WEST-AIRCOMM's 5300 filing moved
WEST-AIRCOMM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $366.3M (2025Q4) to $374.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (12.17% → 12.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.13%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 15.1 pts
WEST-AIRCOMM health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.13% | +0.02 pp |
| Delinquency Rate | 2.35% | +1.46 pp |
| Return on Assets | 0.62% | -0.01 pp |
| Member Growth | 0.51% | - |
| Loan-to-Share Ratio | 78.63% | +6.43 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $374.7M | - |
| 2025Q4 | $366.3M | 21,822 |
| 2024Q4 | $357.8M | 21,712 |
| 2023Q4 | $330.0M | 21,444 |
Credit Union Details
- Charter Number
- 6233
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Beaver
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for WEST-AIRCOMM, spread across 4 cities.
| Office | City |
|---|---|
| West-Aircomm Federal Credit Union (Main Office) | Beaver, PA |
| West-Aircomm FCU | Aliquippa, PA |
| West-Aircomm Federal Credit Union | Beaver, PA |
| West-Aircomm Federal Credit Union | Harmony, PA |
| West Air-Comm Federal Credit Union | Moon Twp, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near WEST-AIRCOMM
Two NCUA Call Report peer sets for WEST-AIRCOMM, both outside Pennsylvania 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 ($366.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- WEST-AIRCOMM ranks #2,740 of 4,374 nationally on financial health and #156 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Capital is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Capital
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 WEST-AIRCOMM financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - WEST-AIRCOMM's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,740 of 4,374; by total assets it ranks #914 of 4,374 nationally (same basis as /rankings/largest); and #30 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.13% net worth ratio and 2.35% delinquency rate are the key drivers.
How does WEST-AIRCOMM compare to other credit unions?
On PlainCU's health composite, WEST-AIRCOMM lands at 80/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 WEST-AIRCOMM?
WEST-AIRCOMM operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact WEST-AIRCOMM directly for the exact boundaries and application steps.
Is my money safe at WEST-AIRCOMM?
Federal credit unions like WEST-AIRCOMM 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. WEST-AIRCOMM's net worth ratio of 12.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WEST-AIRCOMM offer compared to banks?
Credit unions like WEST-AIRCOMM 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 WEST-AIRCOMM 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.