Federal credit union · Westminster, Colorado · NCUA charter #13842
WESTMINSTER
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $51.0M
- Total assets
- 3,086
- Members
- 9.7%
- Net-worth ratio
WESTMINSTER scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $51.0M; members 3,086; net-worth ratio 9.70%; health rank #2,640 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,640 of 4,374 health · 2025Q4WESTMINSTER · health 81/100 · $51.0M · 2025Q4
Call Report peers
WESTMINSTER in the assets neighbourhood
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WESTMINSTER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WESTMINSTER sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
WESTMINSTER vs $50M–$100M peers
- Delinquency Rate leads the peer set - 0.21% here, 0.96% peer average (-0.75 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.92 pp (9.70% vs 13.62%).
WESTMINSTER: in-state Call Report ranks
- Colorado health ordinal: #41 of 66.
- Colorado assets place: #48 of 66.
- Member book place in Colorado: #48 of 66.
- One place up in Colorado, Clean Energy (#40) ties at 81/100; one place down, Horizons North (#42) ties at 81/100.
WESTMINSTER: 2025Q4 → 2026Q1
WESTMINSTER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $51.0M (2025Q4) to $53.4M (2026Q1).
- Net-worth ratio shifted -0.36 pp (10.06% → 9.70%).
9.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
WESTMINSTER gives up 19 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.5 pts
Call Report ratios for WESTMINSTER
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.70% | -3.92 pp |
| Delinquency Rate | 0.21% | -0.75 pp |
| Return on Assets | 0.44% | -0.21 pp |
| Member Growth | -5.60% | - |
| Loan-to-Share Ratio | 60.42% | -2.18 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
WESTMINSTER filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $53.4M | - |
| 2025Q4 | $51.0M | 3,086 |
| 2024Q4 | $52.4M | 3,269 |
| 2023Q4 | $48.3M | 3,402 |
Credit Union Details
- Charter Number
- 13842
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Colorado
- City
- Westminster
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, WESTMINSTER runs one office.
| Office | City |
|---|---|
| Main office (Main Office) | Westminster, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Other-state peers near WESTMINSTER
Similar total assets
Similar health score
Using this data
- WESTMINSTER ranks #2,640 of 4,374 nationally on financial health and #41 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ELECTRICAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ELECTRICAL
Frequently Asked Questions
Is WESTMINSTER financially healthy?
WESTMINSTER has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,640 of 4,374 nationally on health and #41 of 66 in Colorado. Its net worth ratio is 9.70% and its delinquency rate 0.21%.
How does WESTMINSTER compare to other credit unions?
WESTMINSTER scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.21% vs 0.96%). Its widest shortfall is net worth ratio (9.70% vs 13.62%).
How can I join WESTMINSTER?
WESTMINSTER serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact WESTMINSTER directly for the current list of qualifying groups.
Is my money safe at WESTMINSTER?
WESTMINSTER 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. WESTMINSTER's net worth ratio of 9.70% 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.