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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,452 of 4,374 health · 2025Q4WESTSTAR · health 82/100 · $271.1M · 2025Q4
- BOOK 82/100
- CHARTER 10.7%
- NCUSIF 0.80%
- CAMELS 0.36%
- HEALTH $271.1M
- NW 19,402
- DELQ #2,452/4,374
- ROA Unity One
- ASSETS 68227
Call Report peers
WESTSTAR in the assets neighbourhood
WESTSTAR's $271.1M assets sit next to Unity One ($271.3M) 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.
WESTSTAR 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
82 43rd percentile higher than 43% 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
WESTSTAR - Share Insurance Coverage
Charter #68227'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.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for WESTSTAR
WESTSTAR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $271.1M (2025Q4) to $274.1M (2026Q1).
- Net-worth ratio shifted +0.00 pp (10.73% → 10.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
WESTSTAR's nationwide photo peers by assets and by health score, excluding Nevada charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($271.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Nevada credit unions compare overall before assuming this one is typical. Nevada 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 WESTSTAR financially healthy?
A 10.73% net worth ratio and a 0.80% delinquency rate feed into WESTSTAR's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,452 of 4,374; by total assets it ranks #1,090 of 4,374 nationally (same basis as /rankings/largest); and #9 of 13 within Nevada. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does WESTSTAR compare to other credit unions?
On PlainCU's health composite, WESTSTAR lands at 82/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like WESTSTAR 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. WESTSTAR's net worth ratio of 10.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WESTSTAR offer compared to banks?
Credit unions like WESTSTAR 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 WESTSTAR 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.