Federal credit union · CHURCHVILLE, New York · NCUA charter #15324
Westside Community
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $24.4M
- Total assets
- 1,852
- Members
- 10.7%
- Net-worth ratio
Westside Community scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.4M; members 1,852; net-worth ratio 10.74%; health rank #818 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#818 of 4,374 health · 2025Q4Westside Community · health 92/100 · $24.4M · 2025Q4
- ASSETS 92/100
- MEM 10.7%
- RANK 0.00%
- PHOTO 1.26%
- BOOK $24.4M
- CHARTER 1,852
- NCUSIF #818/4,374
- CAMELS EIGHT
- HEALTH 15324
Call Report peers
Westside Community in the assets neighbourhood
Westside Community's $24.4M assets sit next to EIGHT ($24.4M) 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.
Westside Community 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
92 Top 20% higher than 80% 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
Westside Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15324, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Westside Community
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +1.19 pp (60.99% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -4.12 pp (10.74% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Westside Community
- In New York, health place is #43 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Westside Community is #172 of 272 in New York.
- Member book place in New York: #181 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Westside Community: 2025Q4 → 2026Q1
Westside Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $24.4M (2025Q4) to $25.3M (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.77% → 10.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 13.0 pts
Westside Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.74% | -4.12 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.26% | +0.56 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 60.99% | +1.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Westside Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.3M | - |
| 2025Q4 | $24.4M | 1,852 |
| 2024Q4 | $24.4M | 1,852 |
| 2023Q4 | $23.8M | 1,902 |
Credit Union Details
- Charter Number
- 15324
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- CHURCHVILLE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Westside Community runs one office.
| Office | City |
|---|---|
| Westside Community FCU (Main Office) | Churchville, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near Westside Community
Cross-state asset and health neighbours for Westside Community - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Westside Community ranks #818 of 4,374 nationally on financial health and #43 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U. H. S. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U. H. S. Employees
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Westside Community financially healthy?
Westside Community has a financial health score of 92/100 (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 #818 of 4,374; by total assets it ranks #3,016 of 4,374 nationally (same basis as /rankings/largest); and #172 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.74% and delinquency rate of 0.00%.
How does Westside Community compare to other credit unions?
Westside Community scores 92/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Westside Community?
Westside Community 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 Westside Community directly for the exact boundaries and application steps.
Is my money safe at Westside Community?
Federal credit unions like Westside Community 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. Westside Community's net worth ratio of 10.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Westside Community offer compared to banks?
Credit unions like Westside Community 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 Westside Community 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.