Federal credit union · Westport, Massachusetts · NCUA charter #7652
WESTPORT
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $80.9M
- Total assets
- 6,146
- Members
- 9.5%
- Net-worth ratio
WESTPORT scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $80.9M; members 6,146; net-worth ratio 9.53%; health rank #2,775 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,775 of 4,374 health · 2025Q4WESTPORT · health 80/100 · $80.9M · 2025Q4
- HEALTH 80/100
- NW 9.5%
- DELQ 1.37%
- ROA 1.23%
- ASSETS $80.9M
- MEM 6,146
- RANK #2,775/4,374
- PHOTO Power Co-Op Employees
- BOOK 7652
Call Report peers
WESTPORT in the assets neighbourhood
WESTPORT's $80.9M assets sit next to Power Co-Op Employees ($80.9M) 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.
WESTPORT 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
80 36th percentile higher than 36% 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
WESTPORT - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7652 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
WESTPORT: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Return on Assets: +0.57 pp (1.23% vs 0.66%).
- Loan-to-Share Ratio trails the peer set - 53.64% here, 62.60% peer average (-8.96 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
WESTPORT in Massachusetts
- Health composite ranks #81 of 126 among scored Massachusetts credit unions.
- Massachusetts assets place: #65 of 126.
- Massachusetts membership ordinal: #58 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
WESTPORT Call Report trajectory
WESTPORT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $80.9M (2025Q4) to $82.4M (2026Q1).
- Net-worth ratio shifted +0.06 pp (9.47% → 9.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 17.2 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 11.2 pts
WESTPORT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.53% | -4.09 pp |
| Delinquency Rate | 1.37% | +0.41 pp |
| Return on Assets | 1.23% | +0.57 pp |
| Member Growth | -0.68% | - |
| Loan-to-Share Ratio | 53.64% | -8.96 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).
Call Report history - WESTPORT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $82.4M | - |
| 2025Q4 | $80.9M | 6,146 |
| 2024Q4 | $71.1M | 6,188 |
| 2023Q4 | $70.8M | 6,294 |
Credit Union Details
- Charter Number
- 7652
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- Westport
- Data Quarter
- 2025Q4
Branch Location
WESTPORT operates a single office in Westport, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Westport, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Cross-state Call Report peers for WESTPORT
Two NCUA Call Report peer sets for WESTPORT, both outside Massachusetts 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 ($80.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- WESTPORT ranks #2,775 of 4,374 nationally on financial health and #81 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLCOM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLCOM
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts 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 WESTPORT financially healthy?
WESTPORT has a financial health score of 80/100 (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 #2,775 of 4,374; by total assets it ranks #2,006 of 4,374 nationally (same basis as /rankings/largest); and #65 of 126 within Massachusetts. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.53% and delinquency rate of 1.37%.
How does WESTPORT compare to other credit unions?
PlainCU's health composite puts WESTPORT at 80/100, compared to a peer group average for $50M–$100M 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 WESTPORT?
WESTPORT 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 WESTPORT directly for the exact boundaries and application steps.
Is my money safe at WESTPORT?
Federal credit unions like WESTPORT 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. WESTPORT's net worth ratio of 9.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WESTPORT offer compared to banks?
Credit unions like WESTPORT 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 WESTPORT 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.