State credit union · WEST BLOOMFIELD, Michigan · NCUA charter #62316
Westacres
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $6.9M
- Total assets
- 569
- Members
- 7.5%
- Net-worth ratio
Westacres - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62316: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Westacres - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)79
- Asset quality (delinquency)100
- Earnings (ROA)61
- Member growth29
- Liquidity (loan-to-share)52
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.48% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.11% | 15% |
| Member Growth | -2.57% | 15% |
| Loan-to-Share Ratio | 19.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.9M | 569 |
| 2024Q4 | $7.0M | 584 |
| 2023Q4 | $7.4M | 578 |
Credit Union Details
- Charter Number
- 62316
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Michigan
- City
- WEST BLOOMFIELD
- Data Quarter
- 2025Q4
What This Data Says About Westacres
569 members and $6.9M in total assets sit behind Westacres, a state credit union in WEST BLOOMFIELD, Michigan, which posts a health score of 70/100 (Very Good) on the five-factor composite, with $1.2M in outstanding loans as of Q4 2025 and a net worth ratio of 7.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #62316 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 19.80% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.11% on net income of $7K 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 -2.57%. 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 Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
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 Westacres financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - Westacres's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.48% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Westacres compare to other credit unions?
On PlainCU's health composite, Westacres lands at 70/100, compared to a peer group average for $2M–$10M 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 Westacres?
Membership eligibility for Westacres depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Westacres directly for current membership requirements and application steps.
Is my money safe at Westacres?
Federal credit unions like Westacres 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. Westacres's net worth ratio of 7.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Westacres offer compared to banks?
Credit unions like Westacres 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 Westacres 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.