Federal credit union · Lubbock, Texas · NCUA charter #5373
WESTEX
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $86.2M
- Total assets
- 6,788
- Members
- 9.2%
- Net-worth ratio
WESTEX scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $86.2M; members 6,788; net-worth ratio 9.20%; health rank #3,883 of 4,374; healthier than 11th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,883 of 4,374 health · 2025Q4WESTEX · health 65/100 · $86.2M · 2025Q4
- ROA 65/100
- ASSETS 9.2%
- MEM 1.93%
- RANK 0.34%
- PHOTO $86.2M
- BOOK 6,788
- CHARTER #3,883/4,374
- NCUSIF New South Credit Union
- CAMELS 5373
Call Report peers
WESTEX in the assets neighbourhood
WESTEX's $86.2M assets sit next to New South Credit Union ($86.3M) 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.
WESTEX 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
65 11th percentile higher than 11% 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
WESTEX - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5373 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where WESTEX diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 28.03% vs peer 62.60% (-34.57 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
WESTEX: in-state Call Report ranks
- In Texas, health place is #337 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, WESTEX is #158 of 386 in Texas.
- Member book place in Texas: #154 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
WESTEX Call Report trajectory
WESTEX: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $86.2M (2025Q4) to $89.0M (2026Q1).
- Net-worth ratio shifted -0.29 pp (9.49% → 9.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 13.0 pts
- Return on Assets 12.7 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 8.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.20% | -4.42 pp |
| Delinquency Rate | 1.93% | +0.97 pp |
| Return on Assets | 0.34% | -0.31 pp |
| Member Growth | -3.63% | - |
| Loan-to-Share Ratio | 28.03% | -34.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
WESTEX quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $89.0M | - |
| 2025Q4 | $86.2M | 6,788 |
| 2024Q4 | $77.4M | 7,044 |
| 2023Q4 | $79.4M | 6,994 |
Credit Union Details
- Charter Number
- 5373
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Lubbock
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for WESTEX, spread across 2 cities.
| Office | City |
|---|---|
| WesTex Federal Credit Union (Main Office) | Lubbock, TX |
| WesTex Federal Credit Union | Lubbock, TX |
| WesTex Federal Credit Union | Plainview, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near WESTEX
WESTEX's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($86.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- WESTEX ranks #3,883 of 4,374 nationally on financial health and #337 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BAYCEL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BAYCEL
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 WESTEX financially healthy?
A 9.20% net worth ratio and a 1.93% delinquency rate feed into WESTEX's financial health score of 65/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,883 of 4,374; by total assets it ranks #1,958 of 4,374 nationally (same basis as /rankings/largest); and #158 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does WESTEX compare to other credit unions?
Five weighted metrics from NCUA filings produce WESTEX's 65/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 WESTEX?
WESTEX 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 WESTEX directly for the exact boundaries and application steps.
Is my money safe at WESTEX?
Federal credit unions like WESTEX 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. WESTEX's net worth ratio of 9.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WESTEX offer compared to banks?
Credit unions like WESTEX 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 WESTEX 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.