State credit union · O Fallon, Missouri · NCUA charter #62801
West Community
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $491.3M
- Total assets
- 32,286
- Members
- 8.6%
- Net-worth ratio
West Community scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $491.3M; members 32,286; net-worth ratio 8.60%; health rank #3,133 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,133 of 4,374 health · 2025Q4West Community · health 77/100 · $491.3M · 2025Q4
- BOOK 77/100
- CHARTER 8.6%
- NCUSIF 1.13%
- CAMELS 0.32%
- HEALTH $491.3M
- NW 32,286
- DELQ #3,133/4,374
- ROA FEDCHOICE
- ASSETS 62801
Call Report peers
West Community in the assets neighbourhood
West Community's $491.3M assets sit next to FEDCHOICE ($491.4M) 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 Community 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
77 28th percentile higher than 28% 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 Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62801. See our deposit-insurance coverage note.
Where West Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 98.62% here, 72.20% peer average (+26.42 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.51 pp (8.60% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
West Community in Missouri
- Missouri health ordinal: #64 of 89.
- Assets rank #6 of 89 inside Missouri ($491.3M reported).
- Member book place in Missouri: #9 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How West Community's 5300 filing moved
West Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $491.3M (2025Q4) to $498.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (8.52% → 8.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 19.0 pts
- Return on Assets 12.3 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 10.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.60% | -3.51 pp |
| Delinquency Rate | 1.13% | +0.24 pp |
| Return on Assets | 0.32% | -0.30 pp |
| Member Growth | -0.36% | - |
| Loan-to-Share Ratio | 98.62% | +26.42 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).
West Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $498.8M | - |
| 2025Q4 | $491.3M | 32,286 |
| 2024Q4 | $483.2M | 32,404 |
| 2023Q4 | $469.4M | 32,276 |
Credit Union Details
- Charter Number
- 62801
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- O Fallon
- Data Quarter
- 2025Q4
Branch Locations (10)
West Community operates 10 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| O'Fallon (Main Office) | O Fallon, MO |
| Tigers Community Credit Union | Columbia, MO |
| Tigers Community Credit Union | Columbia, MO |
| Tigers Community Credit Union | Columbia, MO |
| Florissant | Florissant, MO |
| Lake St. Louis | Lake St Louis, MO |
| Brentwood | Saint Louis, MO |
| Kirkwood | Saint Louis, MO |
| RAY Building | Saint Louis, MO |
| St. Peters | Saint Peters, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for West Community, both outside Missouri 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 ($491.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- West Community ranks #3,133 of 4,374 nationally on financial health and #64 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Assemblies of God is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Assemblies of God
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 Community financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - West Community'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 #3,133 of 4,374; by total assets it ranks #760 of 4,374 nationally (same basis as /rankings/largest); and #6 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.60% net worth ratio and 1.13% delinquency rate are the key drivers.
How does West Community compare to other credit unions?
77/100 is West Community's score on PlainCU's health composite, compared to a peer group average for $100M–$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 West Community?
Membership eligibility for West Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact West Community directly for current membership requirements and application steps.
Is my money safe at West Community?
Federal credit unions like West Community 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 Community's net worth ratio of 8.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does West Community offer compared to banks?
Credit unions like West Community 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 Community 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.