State credit union · Las Vegas, Nevada · NCUA charter #68227
WESTSTAR
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $271.1M
- Total assets
- 19,402
- Members
- 10.7%
- Net-worth ratio
WESTSTAR scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $271.1M; members 19,402; net-worth ratio 10.73%; health rank #2,452 of 4,374; healthier than 43rd of scored peers.
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#2,452 of 4,374 health · 2025Q4WESTSTAR · health 82/100 · $271.1M · 2025Q4
Call Report peers
WESTSTAR in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WESTSTAR vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WESTSTAR sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
WESTSTAR: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.80% vs peer 0.89% (-0.09 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.47 pp (63.73% vs 72.20%).
WESTSTAR in Nevada
- Nevada health ordinal: #10 of 13.
- By total assets, WESTSTAR is #9 of 13 in Nevada.
- Membership ranks #7 of 13 among Nevada CUs with a reported count (19,402 members).
- One place up in Nevada, Boulder Dam (#9) scores 87/100, 5 points higher; one place down, Pahranagat Valley (#11) scores 81/100, 1 point lower.
Quarter path for WESTSTAR
WESTSTAR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $271.1M (2025Q4) to $274.1M (2026Q1).
- Net-worth ratio shifted +0.00 pp (10.73% → 10.73%).
At 10.73%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
WESTSTAR gives up 18 points in total. Member Growth costs the most, 11.5 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 12.9 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 13.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.73% | -1.38 pp |
| Delinquency Rate | 0.80% | -0.09 pp |
| Return on Assets | 0.36% | -0.27 pp |
| Member Growth | -3.03% | - |
| Loan-to-Share Ratio | 63.73% | -8.47 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - WESTSTAR
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $274.1M | - |
| 2025Q4 | $271.1M | 19,402 |
| 2024Q4 | $257.7M | 20,008 |
| 2023Q4 | $248.5M | 20,646 |
Credit Union Details
- Charter Number
- 68227
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Nevada
- City
- Las Vegas
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, WESTSTAR runs 5 offices in 2 different cities.
| Office | City |
|---|---|
| Rainbow Office (Main Office) | Las Vegas, NV |
| Valley View Office | Las Vegas, NV |
| Eastern Office | Las Vegas, NV |
| Russell Office | Las Vegas, NV |
| Reno Office | Reno, NV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nevada
Other federally-insured credit unions in Nevada, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- WESTSTAR ranks #2,452 of 4,374 nationally on financial health and #10 of 13 in NV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Horizons is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Horizons
Frequently Asked Questions
Is WESTSTAR financially healthy?
On its 2025Q4 NCUA 5300 filing, WESTSTAR scores 82/100 (Excellent), with a 10.73% net worth ratio and 0.80% of loans delinquent. It ranks #2,452 of 4,374 nationally on health and #10 of 13 in Nevada.
How does WESTSTAR compare to other credit unions?
WESTSTAR scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.80% vs 0.89%). Its widest shortfall is loan-to-share ratio (63.73% vs 72.20%).
How can I join WESTSTAR?
Membership eligibility for WESTSTAR depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WESTSTAR directly for current membership requirements and application steps.
Is my money safe at WESTSTAR?
WESTSTAR is a state-chartered 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. WESTSTAR's net worth ratio of 10.73% 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.