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
Call Report peers
WESTEDGE in the assets neighbourhood
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WESTEDGE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WESTEDGE sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Washington, SAFEWAY (#55) ties at 78/100; one place down, Puget Sound Refinery (#57) ties at 78/100.
WESTEDGE: 2025Q4 → 2026Q1
WESTEDGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $78.3M (2025Q4) to $79.1M (2026Q1).
- Net-worth ratio shifted +0.07 pp (17.03% → 17.10%).
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
WESTEDGE gives up 22 points in total. Member Growth costs the most, 10.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is WESTEDGE financially healthy?
WESTEDGE has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,939 of 4,374 nationally on health and #56 of 75 in Washington. Its net worth ratio is 17.10% and its delinquency rate 1.41%.
How does WESTEDGE compare to other credit unions?
WESTEDGE scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (17.10% vs 13.62%). Its widest shortfall is loan-to-share ratio (54.78% vs 62.60%).
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?
WESTEDGE is a federal 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. WESTEDGE's net worth ratio of 17.10% 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.