State credit union · WESTBY, Wisconsin · NCUA charter #67208
Westby Co-op
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $996.7M
- Total assets
- 41,097
- Members
- 15.4%
- Net-worth ratio
Westby Co-op - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67208. See our deposit-insurance coverage note.
Westby Co-op - 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)100
- Asset quality (delinquency)64
- Earnings (ROA)100
- Member growth63
- Liquidity (loan-to-share)100
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
15.43% 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 | 15.43% | 30% |
| Delinquency Rate | 1.53% | 25% |
| Return on Assets | 0.84% | 15% |
| Member Growth | 0.33% | 15% |
| Loan-to-Share Ratio | 86.22% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $996.7M | 41,097 |
| 2024Q4 | $948.6M | 40,961 |
| 2023Q4 | $913.2M | 40,856 |
Credit Union Details
- Charter Number
- 67208
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- WESTBY
- Data Quarter
- 2025Q4
What This Data Says About Westby Co-op
41,097 members and $996.7M in total assets sit behind Westby Co-op, a state credit union in WESTBY, Wisconsin, which posts a health score of 85/100 (Excellent) on the five-factor composite, with $702.3M in outstanding loans as of Q4 2025 and a net worth ratio of 15.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67208 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 1.53% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 86.22% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.84% on net income of $8.4M 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 0.33%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin 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 Westby Co-op financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Westby Co-op's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.43% net worth ratio and 1.53% delinquency rate are the key drivers.
How does Westby Co-op compare to other credit unions?
Westby Co-op scores 85/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Westby Co-op?
Membership eligibility for Westby Co-op depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Westby Co-op directly for current membership requirements and application steps.
Is my money safe at Westby Co-op?
Federal credit unions like Westby Co-op 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. Westby Co-op's net worth ratio of 15.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Westby Co-op offer compared to banks?
Credit unions like Westby Co-op 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 Westby Co-op 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.