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
Call Report peers
Western Division in the assets neighbourhood
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Western Division vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Western Division sits in 100 with 34 others.
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: 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%).
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.
- No New York credit union scores higher; the runner-up, Great Erie (#2) ties at 100/100.
Western Division Call Report trajectory
Western Division: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $218.5M (2025Q4) to $225.6M (2026Q1).
- Net-worth ratio shifted +0.05 pp (14.17% → 14.22%).
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
Western Division gives up 0 points in total. Loan-to-Share Ratio costs the most, 0.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Western Division financially healthy?
Western Division has a financial health score of 100/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #13 of 4,374 nationally on health and #1 of 272 in New York. Its net worth ratio is 14.22% and its delinquency rate 0.06%.
How does Western Division compare to other credit unions?
Western Division scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (91.08% vs 72.20%). Its widest shortfall is return on assets (0.55% vs 0.62%).
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?
Western Division 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. Western Division's net worth ratio of 14.22% 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.