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.
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NCUA 5300 Call Report Masthead
#3,883 of 4,374 health · 2025Q4WESTEX · health 65/100 · $86.2M · 2025Q4
Call Report peers
WESTEX in the assets neighbourhood
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WESTEX vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WESTEX sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where WESTEX diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 28.03% vs peer 62.60% (-34.57 pp).
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.
- One place up in Texas, Coastal Bend P O (#336) ties at 65/100; one place down, Unity One (#338) ties at 65/100.
WESTEX Call Report trajectory
WESTEX: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $86.2M (2025Q4) to $89.0M (2026Q1).
- Net-worth ratio shifted -0.29 pp (9.49% → 9.20%).
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
WESTEX gives up 35 points in total. Member Growth costs the most, 12.5 of its 15; Net Worth Ratio loses the least, 2.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is WESTEX financially healthy?
On its 2025Q4 NCUA 5300 filing, WESTEX scores 65/100 (Good), with a 9.20% net worth ratio and 1.93% of loans delinquent. It ranks #3,883 of 4,374 nationally on health and #337 of 386 in Texas.
How does WESTEX compare to other credit unions?
WESTEX scores 65/100, higher than 11% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (28.03% vs 62.60%).
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?
WESTEX 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. WESTEX's net worth ratio of 9.20% 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.