State credit union · Wakefield, Rhode Island · NCUA charter #67270
Westerly Community
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $506.6M
- Total assets
- 21,604
- Members
- 9.4%
- Net-worth ratio
Westerly Community scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $506.6M; members 21,604; net-worth ratio 9.39%; health rank #2,778 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,778 of 4,374 health · 2025Q4Westerly Community · health 80/100 · $506.6M · 2025Q4
- NW 80/100
- DELQ 9.4%
- ROA 0.24%
- ASSETS 0.29%
- MEM $506.6M
- RANK 21,604
- PHOTO #2,778/4,374
- BOOK SERVU
- CHARTER 67270
Westerly Community in the assets neighbourhood
Westerly Community's $506.6M assets sit next to SERVU ($506.4M) 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.
Westerly Community 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
80 36th percentile higher than 36% 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
Westerly Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67270. See our deposit-insurance coverage note.
Peer-gap read for Westerly Community
- Largest favorable gap: Loan-to-Share Ratio at 93.23% vs peer 83.90% (+9.33 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.79 pp (9.39% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Westerly Community sits in Rhode Island
- Health composite ranks #10 of 14 among scored Rhode Island credit unions.
- Assets rank #5 of 14 inside Rhode Island ($506.6M reported).
- Membership ranks #7 of 14 among Rhode Island CUs with a reported count (21,604 members).
In-state ordinals use the live credit_unions table for RI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Westerly Community: 2025Q4 → 2026Q1
Westerly Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $506.6M (2025Q4) to $511.4M (2026Q1).
- Net-worth ratio shifted +0.09 pp (9.30% → 9.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.39% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.8 pts
- Member Growth 1.4 pts
- Loan-to-Share Ratio 13.3 pts
Westerly Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.39% | -1.79 pp |
| Delinquency Rate | 0.24% | -0.64 pp |
| Return on Assets | 0.29% | -0.22 pp |
| Member Growth | -4.25% | - |
| Loan-to-Share Ratio | 93.23% | +9.33 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $511.4M | - |
| 2025Q4 | $506.6M | 21,604 |
| 2024Q4 | $497.7M | 22,562 |
| 2023Q4 | $468.7M | 22,814 |
Credit Union Details
- Charter Number
- 67270
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Rhode Island
- City
- Wakefield
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Westerly Community runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Wakefield Branch & Operation Center (Main Office) | Wakefield, RI |
| Coventry Branch | Coventry, RI |
| Granite Street Office | Westerly, RI |
| Dunn's Corner Branch | Westerly, RI |
| Richmond Branch | Wyoming, RI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Rhode Island
Other federally-insured credit unions in Rhode Island, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Westerly Community, both outside Rhode Island so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($506.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Westerly Community ranks #2,778 of 4,374 nationally on financial health and #10 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Peoples is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Peoples
- Rates and health both vary by institution, not just by state -- see how Rhode Island credit unions compare overall before assuming this one is typical. Rhode Island 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 Westerly Community financially healthy?
A 9.39% net worth ratio and a 0.24% delinquency rate feed into Westerly Community's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,778 of 4,374; by total assets it ranks #744 of 4,374 nationally (same basis as /rankings/largest); and #5 of 14 within Rhode Island. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Westerly Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Westerly Community's 80/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Westerly Community?
Membership eligibility for Westerly Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Westerly Community directly for current membership requirements and application steps.
Is my money safe at Westerly Community?
Federal credit unions like Westerly Community 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. Westerly Community's net worth ratio of 9.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Westerly Community offer compared to banks?
Credit unions like Westerly Community 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 Westerly Community 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.