State credit union · Williston, North Dakota · NCUA charter #61758
Western Cooperative
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $501.1M
- Total assets
- 18,169
- Members
- 13.9%
- Net-worth ratio
Western Cooperative scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $501.1M; members 18,169; net-worth ratio 13.94%; health rank #3,165 of 4,374; healthier than 26th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,165 of 4,374 health · 2025Q4Western Cooperative · health 76/100 · $501.1M · 2025Q4
Call Report peers
Western Cooperative in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Western Cooperative vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Western Cooperative sits in 75-79 with 502 others.
76 26th percentile higher than 26% 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
Western Cooperative: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 13.94% here, 11.18% peer average (+2.76 pp).
- Largest lag: Loan-to-Share Ratio at 53.93% vs peer 83.90% (-29.97 pp).
Where Western Cooperative sits in North Dakota
- North Dakota health ordinal: #22 of 29.
- North Dakota assets place: #4 of 29.
- Member book place in North Dakota: #5 of 29.
- One place up in North Dakota, Dakota West (#21) scores 77/100, 1 point higher; one place down, Vue Community (#23) scores 74/100, 2 points lower.
How Western Cooperative's 5300 filing moved
Western Cooperative: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $501.1M (2025Q4) to $521.5M (2026Q1).
- Net-worth ratio shifted -0.20 pp (14.14% → 13.94%).
13.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Western Cooperative gives up 24 points in total. Delinquency Rate costs the most, 14.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.7 pts
- Return on Assets 15.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 11.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.94% | +2.76 pp |
| Delinquency Rate | 2.28% | +1.41 pp |
| Return on Assets | 1.50% | +1.00 pp |
| Member Growth | -0.09% | - |
| Loan-to-Share Ratio | 53.93% | -29.97 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Western Cooperative filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $521.5M | - |
| 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
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Western Cooperative, spread across 6 cities.
| Office | City |
|---|---|
| Western Cooperative Credit Union (Main Office) | Williston, ND |
| Western Cooperative Credit Union | Beach, ND |
| Western Cooperative Credit Union | Dickinson, ND |
| Western Cooperative Credit Union | Dickinson, ND |
| Western Cooperative Credit Union | Hebron, ND |
| Western Cooperative Credit Union | Ray, ND |
| Western Cooperative Credit Union | Tioga, ND |
| Western Cooperative Credit Union | Williston, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Other-state peers near Western Cooperative
Using this data
- Western Cooperative ranks #3,165 of 4,374 nationally on financial health and #22 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Town and Country is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Town and Country
Frequently Asked Questions
Is Western Cooperative financially healthy?
On its 2025Q4 NCUA 5300 filing, Western Cooperative scores 76/100 (Very Good), with a 13.94% net worth ratio and 2.28% of loans delinquent. It ranks #3,165 of 4,374 nationally on health and #22 of 29 in North Dakota.
How does Western Cooperative compare to other credit unions?
Western Cooperative scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.94% vs 11.18%). Its widest shortfall is loan-to-share ratio (53.93% vs 83.90%).
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?
Western Cooperative is a state-chartered 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. Western Cooperative's net worth ratio of 13.94% 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.