Federal credit union · WILLIAMSVILLE, New York · NCUA charter #24731
Western Division
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $218.5M
- Total assets
- 11,410
- Members
- 14.2%
- Net-worth ratio
Western Division scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $218.5M; members 11,410; net-worth ratio 14.22%; health rank #13 of 4,374; healthier than 99th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#13 of 4,374 health · 2025Q4Western Division · health 100/100 · $218.5M · 2025Q4
- PHOTO 100/100
- BOOK 14.2%
- CHARTER 0.06%
- NCUSIF 0.55%
- CAMELS $218.5M
- HEALTH 11,410
- NW #13/4,374
- DELQ CHROME
- ROA 24731
Call Report peers
Western Division in the assets neighbourhood
Western Division's $218.5M assets sit next to CHROME ($218.3M) 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.
Western Division 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
100 Top 1% higher than 99% 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 Division - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24731. See our deposit-insurance coverage note.
Western Division: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +18.88 pp (91.08% vs 72.20%).
- Widest shortfall vs peers is Return on Assets: -0.07 pp (0.55% vs 0.62%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Western Division
- In New York, health place is #1 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Western Division is #56 of 272 in New York.
- Member book place in New York: #66 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Western Division Call Report trajectory
Western Division: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $218.5M (2025Q4) to $225.6M (2026Q1).
- Net-worth ratio shifted +0.05 pp (14.17% → 14.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Western Division vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.22% | +2.11 pp |
| Delinquency Rate | 0.06% | -0.83 pp |
| Return on Assets | 0.55% | -0.07 pp |
| Member Growth | 5.40% | - |
| Loan-to-Share Ratio | 91.08% | +18.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Western Division quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $225.6M | - |
| 2025Q4 | $218.5M | 11,410 |
| 2024Q4 | $211.6M | 10,825 |
| 2023Q4 | $196.8M | 10,090 |
Credit Union Details
- Charter Number
- 24731
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- WILLIAMSVILLE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Western Division, spread across 2 cities.
| Office | City |
|---|---|
| WILLIAMSVILLE (Main Office) | WILLIAMSVILLE, NY |
| FREDONIA | FREDONIA, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Western Division - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($218.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Western Division ranks #13 of 4,374 nationally on financial health and #1 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GHS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GHS
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Western Division financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Western Division carries a financial health score of 100/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #13 of 4,374; by total assets it ranks #1,217 of 4,374 nationally (same basis as /rankings/largest); and #56 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.22% net worth ratio and a 0.06% delinquency rate.
How does Western Division compare to other credit unions?
Five weighted metrics from NCUA filings produce Western Division's 100/100 score on PlainCU's health composite, compared to a peer group average for $100M–$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 Western Division?
Western Division 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 Western Division directly for the exact boundaries and application steps.
Is my money safe at Western Division?
Federal credit unions like Western Division 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 Division's net worth ratio of 14.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Western Division offer compared to banks?
Credit unions like Western Division 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 Division 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.