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
Call Report peers
Western Vista in the assets neighbourhood
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
Western Vista sits in the busiest band, 85-89, alongside 857 other credit unions.
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: 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).
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.
- One place up in Wyoming, CAMPCO (#8) scores 88/100, 2 points higher; one place down, First Education (#10) scores 85/100, 1 point lower.
Western Vista: 2025Q4 → 2026Q1
Western Vista: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $274.6M (2025Q4) to $279.3M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.17% → 9.24%).
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
Western Vista gives up 14 points in total. Delinquency Rate costs the most, 6.1 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Western Vista financially healthy?
Western Vista has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,861 of 4,374 nationally on health and #9 of 18 in Wyoming. Its net worth ratio is 9.24% and its delinquency rate 1.15%.
How does Western Vista compare to other credit unions?
Western Vista scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.49% vs 72.20%). Its widest shortfall is net worth ratio (9.24% vs 12.11%).
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?
Western Vista 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 Vista's net worth ratio of 9.24% 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.