State credit union · O Fallon, Missouri · NCUA charter #62801
West Community
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $491.3M
- Total assets
- 32,286
- Members
- 7.9%
- Net-worth ratio
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.
West Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)83
- Asset quality (delinquency)76
- Earnings (ROA)82
- Member growth56
- Liquidity (loan-to-share)74
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.92% | 30% |
| Delinquency Rate | 1.13% | 25% |
| Return on Assets | 0.32% | 15% |
| Member Growth | -0.36% | 15% |
| Loan-to-Share Ratio | 98.62% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About West Community
Headquartered in O Fallon, Missouri, West Community is a state credit union with 32,286 members, $491.3M in total assets, and $410.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 76/100 (Very Good), driven in part by a net worth ratio of 7.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #62801 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 1.13% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 98.62% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.32% on net income of $1.6M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.36%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is West Community financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - West Community's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.92% net worth ratio and 1.13% delinquency rate are the key drivers.
How does West Community compare to other credit unions?
76/100 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 7.92% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.