State credit union · Denver, Colorado · NCUA charter #65788
WESTERRA
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $2.07B
- Total assets
- 113,534
- Members
- 10.2%
- Net-worth ratio
WESTERRA scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.07B; members 113,534; net-worth ratio 10.23%; health rank #2,458 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,458 of 4,374 health · 2025Q4WESTERRA · health 82/100 · $2.07B · 2025Q4
Call Report peers
WESTERRA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WESTERRA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WESTERRA sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
WESTERRA: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +0.71 pp (84.61% vs 83.90%).
- Largest lag: Net Worth Ratio at 10.23% vs peer 11.18% (-0.95 pp).
WESTERRA: in-state Call Report ranks
- Colorado health ordinal: #36 of 66.
- By total assets, WESTERRA is #7 of 66 in Colorado.
- Membership ranks #7 of 66 among Colorado CUs with a reported count (113,534 members).
- One place up in Colorado, Sooper Cu Dba Climb Cu (#35) ties at 82/100; one place down, On Tap (#37) ties at 82/100.
WESTERRA Call Report trajectory
WESTERRA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $2.07B (2025Q4) to $2.05B (2026Q1).
- Net-worth ratio shifted +0.21 pp (10.02% → 10.23%).
10.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
WESTERRA gives up 18 points in total. Delinquency Rate costs the most, 10.1 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.9 pts
- Return on Assets 11.5 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 14.8 pts
WESTERRA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.23% | -0.95 pp |
| Delinquency Rate | 1.68% | +0.81 pp |
| Return on Assets | 0.27% | -0.24 pp |
| Member Growth | 1.49% | - |
| Loan-to-Share Ratio | 84.61% | +0.71 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.05B | - |
| 2025Q4 | $2.07B | 113,534 |
| 2024Q4 | $2.13B | 111,866 |
| 2023Q4 | $2.17B | 111,665 |
Credit Union Details
- Charter Number
- 65788
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Colorado
- City
- Denver
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for WESTERRA, spread across 6 cities.
| Office | City |
|---|---|
| CHERRY CREEK BRANCH (Main Office) | Denver, CO |
| ARVADA BRANCH | Arvada, CO |
| QUINCY PLACE | Aurora, CO |
| CASTLE ROCK | Castle Rock, CO |
| LITTLETON BRANCH | Denver, CO |
| CENTRAL PARK BRANCH | Denver, CO |
| GREEN MOUNTAIN PLAZA | Lakewood, CO |
| BELMAR BRANCH | Lakewood, CO |
| PARKER BRANCH | Parker, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, closest first by peer group and asset size.
Cross-state Call Report peers for WESTERRA
Using this data
- WESTERRA ranks #2,458 of 4,374 nationally on financial health and #36 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Credit Union of Colorado, a is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Credit Union of Colorado, a
Frequently Asked Questions
Is WESTERRA financially healthy?
WESTERRA has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,458 of 4,374 nationally on health and #36 of 66 in Colorado. Its net worth ratio is 10.23% and its delinquency rate 1.68%.
How does WESTERRA compare to other credit unions?
WESTERRA scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (84.61% vs 83.90%). Its widest shortfall is net worth ratio (10.23% vs 11.18%).
How can I join WESTERRA?
Membership eligibility for WESTERRA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WESTERRA directly for current membership requirements and application steps.
Is my money safe at WESTERRA?
WESTERRA is a state-chartered 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. WESTERRA's net worth ratio of 10.23% 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.