Credit Union Safety Analysis
Is Wescom Central Credit Union Safe? Pasadena, California
Based on its Q2 2026 NCUA 5300 call report, Wescom Central Credit Union has a net worth ratio of 7.90%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.43%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Wescom Central Credit Union's net worth ratio is 7.90%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.90%
- Delinquency ratio (60+ days) (Q2 2026): 0.43%
- Return on assets (Q2 2026): 0.71%
- Loan-to-share ratio (Q2 2026): 80.69%
Wescom Central Credit Union (NCUA charter 66703, established 1934) reported $6.60B in assets and 264,807 members for Q2 2026 from Pasadena, California. It ranks 11 of 238 credit unions in California by total assets. Total assets grew 1.4% from $6.51B on June 30, 2025. It has 8,085 more members than on June 30, 2025 (+3.1%). Its net worth ratio was up 0.14 percentage points from 7.76% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.69B of $3.51B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.43% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 7.88% for Q1 2026; 7.76% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.37% for Q1 2026; 0.30% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.23% for Q1 2026; 0.43% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 79.40% for Q1 2026; 74.83% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.69B
- Used vehicle loans: $306.8M
- Unsecured credit card loans: $236.1M
- New vehicle loans: $144.9M
- Other unsecured loans and lines of credit: $130.8M
- Commercial loans: $935K
- Other secured non-real estate loans and lines of credit: $108K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.60B | 7.90% | 0.43% | 0.71% | 80.69% |
| March 31, 2026 | $6.47B | 7.88% | 0.37% | 0.23% | 79.40% |
| December 31, 2025 | $6.31B | 8.03% | 0.39% | 0.34% | 79.76% |
| September 30, 2025 | $6.36B | 8.05% | 0.33% | 0.44% | 78.80% |
| June 30, 2025 | $6.51B | 7.76% | 0.30% | 0.43% | 74.83% |
| March 31, 2025 | $6.49B | 7.67% | 0.22% | 0.17% | 72.71% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Wescom Central Credit Union profile
Regulator records: NCUA credit union profile (charter 66703) · FFIEC NIC profile (RSSD 344692)
Frequently asked questions
Is Wescom Central Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Wescom Central Credit Union's net worth ratio is 7.90%, above the 7% NCUA threshold for well capitalized.
Is Wescom Central Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Wescom Central Credit Union is a federally insured credit union (NCUA charter 66703): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Wescom Central Credit Union's key safety ratios?
For Q2 2026, Wescom Central Credit Union reports net worth 7.90%, delinquency 0.43%, ROA 0.71%, loan-to-share 80.69%.
What happens to my money if Wescom Central Credit Union fails?
For Q2 2026, Wescom Central Credit Union held $4.35B in shares and deposits for 264,807 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.