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.
5300 filing masthead
NCUA 5300 Call Report Masthead
#487 of 4,374 health · 2025Q4WESTCONSIN · health 94/100 · $2.16B · 2025Q4
- ROA 94/100
- ASSETS 13.0%
- MEM 0.72%
- RANK 0.60%
- PHOTO $2.16B
- BOOK 126,216
- CHARTER #487/4,374
- NCUSIF IQ
- CAMELS 66742
WESTCONSIN in the assets neighbourhood
WESTCONSIN's $2.16B assets sit next to IQ ($2.16B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WESTCONSIN 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
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
WESTCONSIN - Share Insurance Coverage
Charter #66742's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
WESTCONSIN Call Report trajectory
WESTCONSIN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $2.16B (2025Q4) to $2.20B (2026Q1).
- Net-worth ratio shifted +0.15 pp (12.87% → 13.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
WESTCONSIN's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.16B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 WESTCONSIN financially healthy?
WESTCONSIN scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #487 of 4,374; by total assets it ranks #242 of 4,374 nationally (same basis as /rankings/largest); and #12 of 100 within Wisconsin. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.02% net worth ratio and a 0.72% delinquency rate.
How does WESTCONSIN compare to other credit unions?
94/100 is WESTCONSIN's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like WESTCONSIN 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. WESTCONSIN's net worth ratio of 13.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WESTCONSIN offer compared to banks?
Credit unions like WESTCONSIN 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 WESTCONSIN 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.