State credit union · Idaho Falls, Idaho · NCUA charter #68353
WESTMARK
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $1.63B
- Total assets
- 82,683
- Members
- 8.1%
- Net-worth ratio
WESTMARK scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.63B; members 82,683; net-worth ratio 8.09%; health rank #1,534 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,534 of 4,374 health · 2025Q4WESTMARK · health 88/100 · $1.63B · 2025Q4
- DELQ 88/100
- ROA 8.1%
- ASSETS 0.29%
- MEM 0.46%
- RANK $1.63B
- PHOTO 82,683
- BOOK #1,534/4,374
- CHARTER SKYLA
- NCUSIF 68353
Call Report peers
WESTMARK in the assets neighbourhood
WESTMARK's $1.63B assets sit next to SKYLA ($1.62B) 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.
WESTMARK 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
88 Top 35% higher than 65% 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
WESTMARK - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68353: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where WESTMARK diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 105.12% vs peer 83.90% (+21.22 pp).
- Net Worth Ratio trails the peer set - 8.09% here, 11.18% peer average (-3.09 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
WESTMARK in Idaho
- In Idaho, health place is #12 of 26 on the same NCUA-ratio sort used nationally.
- Assets rank #3 of 26 inside Idaho ($1.63B reported).
- Idaho membership ordinal: #4 of 26.
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
WESTMARK Call Report trajectory
WESTMARK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $1.63B (2025Q4) to $1.62B (2026Q1).
- Net-worth ratio shifted -0.11 pp (8.20% → 8.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 25.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.4 pts
Call Report ratios for WESTMARK
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.09% | -3.09 pp |
| Delinquency Rate | 0.29% | -0.59 pp |
| Return on Assets | 0.46% | -0.05 pp |
| Member Growth | 8.25% | - |
| Loan-to-Share Ratio | 105.12% | +21.22 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 | $1.62B | - |
| 2025Q4 | $1.63B | 82,683 |
| 2024Q4 | $1.44B | 76,379 |
| 2023Q4 | $1.38B | 74,176 |
Credit Union Details
- Charter Number
- 68353
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Idaho
- City
- Idaho Falls
- Data Quarter
- 2025Q4
Branch Locations (15)
The NCUA branch filing lists 15 physical offices for WESTMARK, spread across 10 cities.
| Office | City |
|---|---|
| Eastside Branch (Main Office) | Idaho Falls, ID |
| Blackfoot Branch | Blackfoot, ID |
| Parkcenter | Boise, ID |
| Eagle Branch | Eagle, ID |
| First Street Branch | Idaho Falls, ID |
| Westside Branch | Idaho Falls, ID |
| Sunnyside | Idaho Falls, ID |
| Science Center Branch | Idaho Falls, ID |
| Silverstone Branch | Meridian, ID |
| Ten Mile | Meridian, ID |
| Idaho Center Branch | Nampa, ID |
| Pocatello Branch | Pocatello, ID |
| Rexburg Branch | Rexburg, ID |
| Rigby Branch | Rigby, ID |
| Twin Falls Pole Line | Twin Falls, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
Other-state peers near WESTMARK
Two NCUA Call Report peer sets for WESTMARK, both outside Idaho so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.63B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- WESTMARK ranks #1,534 of 4,374 nationally on financial health and #12 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Capital Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Capital Educators
- Rates and health both vary by institution, not just by state -- see how Idaho credit unions compare overall before assuming this one is typical. Idaho 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 WESTMARK financially healthy?
WESTMARK scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,534 of 4,374; by total assets it ranks #301 of 4,374 nationally (same basis as /rankings/largest); and #3 of 26 within Idaho. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.09% net worth ratio and a 0.29% delinquency rate.
How does WESTMARK compare to other credit unions?
PlainCU's health composite puts WESTMARK at 88/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 WESTMARK?
Membership eligibility for WESTMARK depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WESTMARK directly for current membership requirements and application steps.
Is my money safe at WESTMARK?
Federal credit unions like WESTMARK 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. WESTMARK's net worth ratio of 8.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WESTMARK offer compared to banks?
Credit unions like WESTMARK 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 WESTMARK 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.