State credit union · WEST BLOOMFIELD, Michigan · NCUA charter #62316
WESTACRES
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $6.9M
- Total assets
- 569
- Members
- 13.7%
- Net-worth ratio
WESTACRES scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.9M; members 569; net-worth ratio 13.69%; health rank #3,170 of 4,374; healthier than 26th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,170 of 4,374 health · 2025Q4WESTACRES · health 76/100 · $6.9M · 2025Q4
- CHARTER 76/100
- NCUSIF 13.7%
- CAMELS 0.00%
- HEALTH 0.11%
- NW $6.9M
- DELQ 569
- ROA #3,170/4,374
- ASSETS n/a
- MEM 62316
Call Report peers
WESTACRES carries $6.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WESTACRES 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
76 26th percentile higher than 26% 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
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 vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Largest lag: Loan-to-Share Ratio at 19.80% vs peer 63.60% (-43.80 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where WESTACRES sits in Michigan
- Health composite ranks #150 of 171 among scored Michigan credit unions.
- Assets rank #170 of 171 inside Michigan ($6.9M reported).
- Membership ranks #170 of 171 among Michigan CUs with a reported count (569 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for WESTACRES
WESTACRES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $6.9M (2025Q4) to $6.9M (2026Q1).
- Net-worth ratio shifted +0.05 pp (13.64% → 13.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.69% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.1 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 7.5 pts
Call Report ratios for WESTACRES
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.69% | -5.37 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.11% | -0.34 pp |
| Member Growth | -2.57% | - |
| Loan-to-Share Ratio | 19.80% | -43.80 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.9M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, WESTACRES runs one office.
| Office | City |
|---|---|
| WCU (Main Office) | WEST BLOOMFIELD, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for WESTACRES, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- WESTACRES ranks #3,170 of 4,374 nationally on financial health and #150 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- West Michigan Postal Service is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with West Michigan Postal Service
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 WESTACRES financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - WESTACRES'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 #3,170 of 4,374; by total assets it ranks #3,736 of 4,374 nationally (same basis as /rankings/largest); and #170 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.69% 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 76/100, 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 13.69% 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.
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.