Federal credit union · Cheyenne, Wyoming · NCUA charter #3972
Western Vista
Health score 86/100 (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 - 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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)93
- Asset quality (delinquency)76
- Earnings (ROA)96
- Member growth67
- Liquidity (loan-to-share)100
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.17% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.17% | 30% |
| Delinquency Rate | 1.15% | 25% |
| Return on Assets | 0.46% | 15% |
| Member Growth | 0.83% | 15% |
| Loan-to-Share Ratio | 87.49% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Western Vista
Charter #3972, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Western Vista, a federal credit union in Cheyenne, Wyoming with 17,058 members, $274.6M in total assets, and $210.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 86/100 (Excellent), helped by a net worth ratio of 9.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.15% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 87.49% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.46% on net income of $1.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.83%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Wyoming
Other federally-insured credit unions in Wyoming, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.17% 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 9.17% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.