State credit union · Williston, North Dakota · NCUA charter #61758
Western Cooperative
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $501.1M
- Total assets
- 18,169
- Members
- 14.1%
- Net-worth ratio
Western Cooperative - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61758, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Western Cooperative - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)43
- Earnings (ROA)100
- Member growth59
- Liquidity (loan-to-share)76
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.14% | 30% |
| Delinquency Rate | 2.28% | 25% |
| Return on Assets | 1.50% | 15% |
| Member Growth | -0.09% | 15% |
| Loan-to-Share Ratio | 53.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $501.1M | 18,169 |
| 2024Q4 | $481.1M | 18,186 |
| 2023Q4 | $441.4M | 18,305 |
Credit Union Details
- Charter Number
- 61758
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- North Dakota
- City
- Williston
- Data Quarter
- 2025Q4
What This Data Says About Western Cooperative
Charter #61758, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Western Cooperative, a state credit union in Williston, North Dakota with 18,169 members, $501.1M in total assets, and $233.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 76/100 (Very Good), helped by a net worth ratio of 14.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
2.28% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 53.93% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.50% on net income of $7.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.09%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Western Cooperative financially healthy?
Western Cooperative scores 76/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.14% net worth ratio and a 2.28% delinquency rate.
How does Western Cooperative compare to other credit unions?
On PlainCU's health composite, Western Cooperative lands at 76/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Western Cooperative?
Membership eligibility for Western Cooperative depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Western Cooperative directly for current membership requirements and application steps.
Is my money safe at Western Cooperative?
Federal credit unions like Western Cooperative 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. Western Cooperative's net worth ratio of 14.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Western Cooperative offer compared to banks?
Credit unions like Western Cooperative 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 Western Cooperative directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.