Federal credit union · Tulsa, Oklahoma · NCUA charter #24812
WESTREET
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $958.5M
- Total assets
- 60,660
- Members
- 9.7%
- Net-worth ratio
WESTREET scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $958.5M; members 60,660; net-worth ratio 9.69%; health rank #3,774 of 4,374; healthier than 13th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,774 of 4,374 health · 2025Q4WESTREET · health 67/100 · $958.5M · 2025Q4
- NW 67/100
- DELQ 9.7%
- ROA 2.66%
- ASSETS -0.81%
- MEM $958.5M
- RANK 60,660
- PHOTO #3,774/4,374
- BOOK Midwest America
- CHARTER 24812
Call Report peers
WESTREET in the assets neighbourhood
WESTREET's $958.5M assets sit next to Midwest America ($958.8M) 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.
WESTREET 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
67 13th percentile higher than 13% 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
WESTREET - Share Insurance Coverage
Charter #24812's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where WESTREET diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 86.69% vs peer 83.90% (+2.79 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.78 pp (2.66% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
WESTREET in Oklahoma
- Health composite ranks #45 of 53 among scored Oklahoma credit unions.
- By total assets, WESTREET is #6 of 53 in Oklahoma.
- Oklahoma membership ordinal: #7 of 53.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for WESTREET
WESTREET: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $958.5M (2025Q4) to $968.1M (2026Q1).
- Net-worth ratio shifted -0.03 pp (9.72% → 9.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.69% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 8.4 pts
- Return on Assets 0.0 pts
- Member Growth 14.4 pts
- Loan-to-Share Ratio 15.0 pts
WESTREET health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.69% | -1.49 pp |
| Delinquency Rate | 2.66% | +1.78 pp |
| Return on Assets | -0.81% | -1.32 pp |
| Member Growth | 4.51% | - |
| Loan-to-Share Ratio | 86.69% | +2.79 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).
WESTREET quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $968.1M | - |
| 2025Q4 | $958.5M | 60,660 |
| 2024Q4 | $947.0M | 58,041 |
| 2023Q4 | $989.3M | 57,277 |
Credit Union Details
- Charter Number
- 24812
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Oklahoma
- City
- Tulsa
- Data Quarter
- 2025Q4
Branch Locations (14)
Per its most recent NCUA branch filing, WESTREET runs 14 offices in 8 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Tulsa, OK |
| Broken Arrow South | Broken Arrow, OK |
| Broken Arrow North | Broken Arrow, OK |
| Claremore South | Claremore, OK |
| Owasso South | Owasso, OK |
| Pryor - Graham | Pryor, OK |
| Sand Springs | Sand Springs, OK |
| Sapulpa - In Reasor's | Sapulpa, OK |
| Skiatook | Skiatook, OK |
| Downtown | Tulsa, OK |
| Memorial | Tulsa, OK |
| Midtown | Tulsa, OK |
| Yale | Tulsa, OK |
| Commercial Office | Tulsa, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
More federally-insured credit unions based in Oklahoma, ordered by peer group match and asset size.
WESTREET nationwide neighbourhoods
Two NCUA Call Report peer sets for WESTREET, both outside Oklahoma 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 ($958.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- WESTREET ranks #3,774 of 4,374 nationally on financial health and #45 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OKLAHOMA'S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OKLAHOMA'S
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma 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 WESTREET financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, WESTREET carries a financial health score of 67/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,774 of 4,374; by total assets it ranks #485 of 4,374 nationally (same basis as /rankings/largest); and #6 of 53 within Oklahoma. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.69% net worth ratio and a 2.66% delinquency rate.
How does WESTREET compare to other credit unions?
Five weighted metrics from NCUA filings produce WESTREET's 67/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 WESTREET?
WESTREET 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 WESTREET directly for the exact boundaries and application steps.
Is my money safe at WESTREET?
Federal credit unions like WESTREET 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. WESTREET's net worth ratio of 9.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WESTREET offer compared to banks?
Credit unions like WESTREET 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 WESTREET 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.