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
Call Report peers
Westside Community in the assets neighbourhood
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Westside Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Westside Community sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New York, CORNING (#42) ties at 92/100; one place down, Tonawanda Community (#44) ties at 92/100.
Westside Community: 2025Q4 → 2026Q1
Westside Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $24.4M (2025Q4) to $25.3M (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.77% → 10.74%).
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
Westside Community gives up 8 points in total. Member Growth costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Westside Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Westside Community scores 92/100 (Excellent), with a 10.74% net worth ratio and 0.00% of loans delinquent. It ranks #818 of 4,374 nationally on health and #43 of 272 in New York.
How does Westside Community compare to other credit unions?
Westside Community scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (60.99% vs 59.80%). Its widest shortfall is net worth ratio (10.74% vs 14.86%).
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?
Westside Community 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. Westside Community's net worth ratio of 10.74% 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.