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
- NW 82/100
- DELQ 10.2%
- ROA 1.68%
- ASSETS 0.27%
- MEM $2.07B
- RANK 113,534
- PHOTO #2,458/4,374
- BOOK Texas Trust
- CHARTER 65788
Call Report peers
WESTERRA in the assets neighbourhood
WESTERRA's $2.07B assets sit next to Texas Trust ($2.07B) 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.
WESTERRA 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65788, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
WESTERRA Call Report trajectory
WESTERRA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $2.07B (2025Q4) to $2.05B (2026Q1).
- Net-worth ratio shifted +0.21 pp (10.02% → 10.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for WESTERRA - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.07B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado 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 WESTERRA financially healthy?
WESTERRA has a financial health score of 82/100 (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 #2,458 of 4,374; by total assets it ranks #252 of 4,374 nationally (same basis as /rankings/largest); and #7 of 66 within Colorado. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.23% and delinquency rate of 1.68%.
How does WESTERRA compare to other credit unions?
82/100 is WESTERRA's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like WESTERRA 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. WESTERRA's net worth ratio of 10.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WESTERRA offer compared to banks?
Credit unions like WESTERRA 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 WESTERRA 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.