Federal credit union · BELLINGHAM, Washington · NCUA charter #8113
WESTEDGE
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $78.3M
- Total assets
- 4,113
- Members
- 17.1%
- Net-worth ratio
WESTEDGE scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $78.3M; members 4,113; net-worth ratio 17.10%; health rank #2,939 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,939 of 4,374 health · 2025Q4WESTEDGE · health 78/100 · $78.3M · 2025Q4
- DELQ 78/100
- ROA 17.1%
- ASSETS 1.41%
- MEM 0.70%
- RANK $78.3M
- PHOTO 4,113
- BOOK #2,939/4,374
- CHARTER Washington Area Teachers
- NCUSIF 8113
Call Report peers
WESTEDGE in the assets neighbourhood
WESTEDGE's $78.3M assets sit next to Washington Area Teachers ($78.4M) 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.
WESTEDGE 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
78 31st percentile higher than 31% 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
WESTEDGE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #8113: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for WESTEDGE
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +3.48 pp (17.10% vs 13.62%).
- Loan-to-Share Ratio trails the peer set - 54.78% here, 62.60% peer average (-7.82 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where WESTEDGE sits in Washington
- Health composite ranks #56 of 75 among scored Washington credit unions.
- Assets rank #50 of 75 inside Washington ($78.3M reported).
- Washington membership ordinal: #54 of 75.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
WESTEDGE: 2025Q4 → 2026Q1
WESTEDGE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $78.3M (2025Q4) to $79.1M (2026Q1).
- Net-worth ratio shifted +0.07 pp (17.03% → 17.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 11.3 pts
Call Report ratios for WESTEDGE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.10% | +3.48 pp |
| Delinquency Rate | 1.41% | +0.44 pp |
| Return on Assets | 0.70% | +0.04 pp |
| Member Growth | -2.40% | - |
| Loan-to-Share Ratio | 54.78% | -7.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
WESTEDGE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $79.1M | - |
| 2025Q4 | $78.3M | 4,113 |
| 2024Q4 | $81.5M | 4,214 |
| 2023Q4 | $76.3M | 4,247 |
Credit Union Details
- Charter Number
- 8113
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Washington
- City
- BELLINGHAM
- Data Quarter
- 2025Q4
Branch Location
WESTEDGE operates a single office in Bellingham, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| WestEdge FCU (Main Office) | Bellingham, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
WESTEDGE's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($78.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- WESTEDGE ranks #2,939 of 4,374 nationally on financial health and #56 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tri-Cities Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tri-Cities Community
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington 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 WESTEDGE financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - WESTEDGE'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 #2,939 of 4,374; by total assets it ranks #2,036 of 4,374 nationally (same basis as /rankings/largest); and #50 of 75 within Washington. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.10% net worth ratio and 1.41% delinquency rate are the key drivers.
How does WESTEDGE compare to other credit unions?
Five weighted metrics from NCUA filings produce WESTEDGE's 78/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 WESTEDGE?
WESTEDGE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact WESTEDGE directly for the exact boundaries and application steps.
Is my money safe at WESTEDGE?
Federal credit unions like WESTEDGE 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. WESTEDGE's net worth ratio of 17.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WESTEDGE offer compared to banks?
Credit unions like WESTEDGE 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 WESTEDGE 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.