State credit union · Menomonie, Wisconsin · NCUA charter #66742
WESTCONSIN
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.16B
- Total assets
- 126,216
- Members
- 13.0%
- Net-worth ratio
WESTCONSIN scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.16B; members 126,216; net-worth ratio 13.02%; health rank #487 of 4,374; healthier than 87th of scored peers.
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WESTCONSIN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WESTCONSIN sits in 90-94 with 747 others.
94 Top 13% higher than 87% 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
Peer-gap read for WESTCONSIN
- Net Worth Ratio leads the peer set - 13.02% here, 11.18% peer average (+1.84 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.32 pp (80.58% vs 83.90%).
WESTCONSIN in Wisconsin
- In Wisconsin, health place is #17 of 100 on the same NCUA-ratio sort used nationally.
- Assets rank #12 of 100 inside Wisconsin ($2.16B reported).
- Membership ranks #12 of 100 among Wisconsin CUs with a reported count (126,216 members).
- One place up in Wisconsin, LCO (#16) ties at 94/100; one place down, GUNDERSEN (#18) ties at 94/100.
WESTCONSIN Call Report trajectory
WESTCONSIN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $2.16B (2025Q4) to $2.20B (2026Q1).
- Net-worth ratio shifted +0.15 pp (12.87% → 13.02%).
13.02% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
WESTCONSIN gives up 6 points in total. Member Growth costs the most, 4 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for WESTCONSIN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.02% | +1.84 pp |
| Delinquency Rate | 0.72% | -0.15 pp |
| Return on Assets | 0.60% | +0.09 pp |
| Member Growth | 1.66% | - |
| Loan-to-Share Ratio | 80.58% | -3.32 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
WESTCONSIN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.20B | - |
| 2025Q4 | $2.16B | 126,216 |
| 2024Q4 | $1.96B | 124,158 |
| 2023Q4 | $1.94B | 120,077 |
Credit Union Details
- Charter Number
- 66742
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Menomonie
- Data Quarter
- 2025Q4
Branch Locations (21)
WESTCONSIN operates 21 offices across 13 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Menomonie Administration (Main Office) | Menomonie, WI |
| Altoona | Altoona, WI |
| Amery Office | Amery, WI |
| Amery High School Office | Amery, WI |
| Baldwin Office | Baldwin, WI |
| Baldwin-Woodville High School | Baldwin, WI |
| Barron Office | Barron, WI |
| Chippewa Falls Office | Chippewa Falls, WI |
| Eau Claire Office | Eau Claire, WI |
| Ellsworth Office | Ellsworth, WI |
| Hudson Office | Hudson, WI |
| Downtown Menomonie Office | Menomonie, WI |
| North Menomonie Office | Menomonie, WI |
| Menomonie High School Office | Menomonie, WI |
| Administrative Center | Menomonie, WI |
| East Menomonie Office | Menomonie, WI |
| New Richmond Office | New Richmond, WI |
| New Richmond High School Office | New Richmond, WI |
| Prescott Office | Prescott, WI |
| Rice Lake | Rice Lake, WI |
| River Falls Office | River Falls, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- WESTCONSIN ranks #487 of 4,374 nationally on financial health and #17 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Verve, a Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Verve, a Credit Union
Frequently Asked Questions
Is WESTCONSIN financially healthy?
On its 2025Q4 NCUA 5300 filing, WESTCONSIN scores 94/100 (Excellent), with a 13.02% net worth ratio and 0.72% of loans delinquent. It ranks #487 of 4,374 nationally on health and #17 of 100 in Wisconsin.
How does WESTCONSIN compare to other credit unions?
WESTCONSIN scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.02% vs 11.18%). Its widest shortfall is loan-to-share ratio (80.58% vs 83.90%).
How can I join WESTCONSIN?
Membership eligibility for WESTCONSIN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WESTCONSIN directly for current membership requirements and application steps.
Is my money safe at WESTCONSIN?
WESTCONSIN 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. WESTCONSIN's net worth ratio of 13.02% 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.