State credit union · WESTBY, Wisconsin · NCUA charter #67208
Westby Co-Op
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $996.7M
- Total assets
- 41,097
- Members
- 15.7%
- Net-worth ratio
Westby Co-Op scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $996.7M; members 41,097; net-worth ratio 15.67%; health rank #1,924 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,924 of 4,374 health · 2025Q4Westby Co-Op · health 85/100 · $996.7M · 2025Q4
Call Report peers
Westby Co-Op in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Westby Co-Op vs every NCUA-scored credit union
Westby Co-Op sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Westby Co-Op vs Over $500M peers
- Largest favorable gap: Net Worth Ratio at 15.67% vs peer 11.18% (+4.49 pp).
- Largest lag: Delinquency Rate at 1.53% vs peer 0.87% (+0.66 pp).
Westby Co-Op in Wisconsin
- Wisconsin health ordinal: #69 of 100.
- Wisconsin assets place: #15 of 100.
- Membership ranks #17 of 100 among Wisconsin CUs with a reported count (41,097 members).
- One place up in Wisconsin, GUARDIAN (#68) scores 86/100, 1 point higher; one place down, Fond Du Lac (#70) ties at 85/100.
How Westby Co-Op's 5300 filing moved
Westby Co-Op: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $996.7M (2025Q4) to $1.00B (2026Q1).
- Net-worth ratio shifted +0.24 pp (15.43% → 15.67%).
15.67% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Westby Co-Op gives up 15 points in total. Delinquency Rate costs the most, 9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 14.6 pts
Westby Co-Op vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.67% | +4.49 pp |
| Delinquency Rate | 1.53% | +0.66 pp |
| Return on Assets | 0.84% | +0.33 pp |
| Member Growth | 0.33% | - |
| Loan-to-Share Ratio | 86.22% | +2.32 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.00B | - |
| 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
Branch Locations (12)
Westby Co-Op operates 12 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| WCCU Westby (Main Office) | WESTBY, WI |
| WCCU Baraboo | Baraboo, WI |
| WCCU Cashton | Cashton, WI |
| WCCU Coon Valley | Coon Valley, WI |
| WCCU Lake Delton | Lake Delton, WI |
| WCCU Portage | PORTAGE, WI |
| WCCU Prairie du Sac | Prairie du Sac, WI |
| WCCU Reedsburg - Main | Reedsburg, WI |
| WCCU Reedsburg - West | Reedsburg, WI |
| WCCU Richland Center - Main | RICHLAND CENTER, WI |
| WCCU Richland Center - Orange Street | RICHLAND CENTER, WI |
| WCCU Viroqua | VIROQUA, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Westby Co-Op nationwide neighbourhoods
Using this data
- Westby Co-Op ranks #1,924 of 4,374 nationally on financial health and #69 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Blackhawk Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Blackhawk Community
Frequently Asked Questions
Is Westby Co-Op financially healthy?
On its 2025Q4 NCUA 5300 filing, Westby Co-Op scores 85/100 (Excellent), with a 15.67% net worth ratio and 1.53% of loans delinquent. It ranks #1,924 of 4,374 nationally on health and #69 of 100 in Wisconsin.
How does Westby Co-Op compare to other credit unions?
Westby Co-Op scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.67% vs 11.18%). Its widest shortfall is delinquency rate (1.53% vs 0.87%).
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?
Westby Co-Op is a state-chartered credit union; its shares are federally 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 15.67% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.