Federal credit union · Cheyenne, Wyoming · NCUA charter #3972
Western Vista
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $274.6M
- Total assets
- 17,058
- Members
- 9.2%
- Net-worth ratio
Western Vista scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $274.6M; members 17,058; net-worth ratio 9.24%; health rank #1,861 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,861 of 4,374 health · 2025Q4Western Vista · health 86/100 · $274.6M · 2025Q4
- ROA 86/100
- ASSETS 9.2%
- MEM 1.15%
- RANK 0.46%
- PHOTO $274.6M
- BOOK 17,058
- CHARTER #1,861/4,374
- NCUSIF Glacier Hills
- CAMELS 3972
Call Report peers
Western Vista in the assets neighbourhood
Western Vista's $274.6M assets sit next to Glacier Hills ($275.0M) 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 Vista 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
86 Top 43% higher than 57% 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 Vista - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3972: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Western Vista: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 87.49% here, 72.20% peer average (+15.29 pp).
- Net Worth Ratio trails the peer set - 9.24% here, 12.11% peer average (-2.87 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Western Vista sits in Wyoming
- Health composite ranks #9 of 18 among scored Wyoming credit unions.
- Wyoming assets place: #6 of 18.
- Wyoming membership ordinal: #7 of 18.
In-state ordinals use the live credit_unions table for WY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Western Vista: 2025Q4 → 2026Q1
Western Vista: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $274.6M (2025Q4) to $279.3M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.17% → 9.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 18.9 pts
- Return on Assets 14.3 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 14.7 pts
Western Vista vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.24% | -2.87 pp |
| Delinquency Rate | 1.15% | +0.25 pp |
| Return on Assets | 0.46% | -0.17 pp |
| Member Growth | 0.83% | - |
| Loan-to-Share Ratio | 87.49% | +15.29 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).
Call Report history - Western Vista
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $279.3M | - |
| 2025Q4 | $274.6M | 17,058 |
| 2024Q4 | $251.3M | 16,917 |
| 2023Q4 | $264.8M | 16,424 |
Credit Union Details
- Charter Number
- 3972
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Wyoming
- City
- Cheyenne
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, Western Vista runs 6 offices in 2 different cities.
| Office | City |
|---|---|
| City Center Building (Main Office) | Cheyenne, WY |
| Eagle | Casper, WY |
| Wyoming Blvd | Casper, WY |
| Sparks | Cheyenne, WY |
| Storey | Cheyenne, WY |
| Thomes | Cheyenne, WY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wyoming
Other federally-insured credit unions in Wyoming, closest first by peer group and asset size.
Other-state peers near Western Vista
Cross-state asset and health neighbours for Western Vista - kept outside Wyoming; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($274.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Western Vista ranks #1,861 of 4,374 nationally on financial health and #9 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAMPCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAMPCO
- Rates and health both vary by institution, not just by state -- see how Wyoming credit unions compare overall before assuming this one is typical. Wyoming 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 Vista financially healthy?
Western Vista has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,861 of 4,374; by total assets it ranks #1,083 of 4,374 nationally (same basis as /rankings/largest); and #6 of 18 within Wyoming. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.24% and delinquency rate of 1.15%.
How does Western Vista compare to other credit unions?
Five weighted metrics from NCUA filings produce Western Vista's 86/100 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 Vista?
Western Vista 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 Vista directly for the exact boundaries and application steps.
Is my money safe at Western Vista?
Federal credit unions like Western Vista 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 Vista's net worth ratio of 9.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Western Vista offer compared to banks?
Credit unions like Western Vista 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 Vista 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.