Westby Co-Op Credit Union Westby, Wisconsin
Westby Co-Op Credit Union is a state-chartered credit union headquartered in Westby, WI, established in 1900 (NCUA charter 67208), and it is regulated and insured by the NCUA. At Q2 2026 it reported 41,714 members and total assets of $1.02B (up 5.7% from Q2 2025), the 15th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 15.64% at Q2 2026, in the well capitalized band.
Also written as Westby Co-Op CU
BankRegReports is independent of Westby Co-Op Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67208
- Headquarters
- Westby, WI
- Established
- 1900
- Total assets, Q2 2026
- $1.02B
- Assets vs Q2 2025
- +5.7%
- Members, Q2 2026
- 41,714
- Net worth ratio, Q2 2026
- 15.64%
- Latest call report
- Q2 2026, NCUA 5300 · Westby Co-Op Credit Union call report
- Asset rank in state
- 15th of 98 in Wisconsin
- Routing number
- 275982539
- Branches
- 12
It has 617 more members than on June 30, 2025 (+1.5%). Its net worth ratio was up 0.32 percentage points from 15.32% on June 30, 2025. Commercial loans are its largest loan category, $363.9M of $705.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.44% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 15.64% net worth ratio is above that band's 10.89% median.
Frequently asked about Westby Co-Op Credit Union
How big is Westby Co-Op Credit Union?
At Q2 2026 it reported total assets of $1.02B and 41,714 members.
Where is Westby Co-Op Credit Union headquartered?
It is headquartered in Westby, WI, United States.
When was Westby Co-Op Credit Union founded?
It was established in 1900, per NCUA records.
Is Westby Co-Op Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67208): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Westby Co-Op Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Westby Co-Op Credit Union well capitalized?
Its net worth ratio was 15.64% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Westby Co-Op Credit Union's delinquency ratio?
Its delinquency ratio was 1.44% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Westby Co-Op Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 83.76% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Westby, WI 54667
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1900
- NCUA Charter #
- 67208
- RSSD ID
- 142692
- Members
- 41,714
- Potential members
- 1,193,423
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 15.64% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.17% | 0.89% | 69th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 7.46% | 8.07% | 44th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.58% | 3.45% | 60th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 67.38% | 70.59% | 61st above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.56% | 1.68% | 60th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.44% | 0.68% | 12th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.14% | 5.12% | 51st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 83.76% | 88.03% | 39th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.02B total assets against $968.8M; $842.2M total shares and deposits against $793.2M; $705.4M total loans against $708.4M.
$160.1M net worth against $148.5M.
15.64% net worth ratio against 15.32%.
83.76% loan-to-share ratio against 89.31%.
1.44% delinquency ratio against 1.12%.
1.17% return on assets against 0.99%; 7.46% return on equity against 6.43%.
3.58% net interest margin against 3.49%.
41,714 members against 41,097.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.64% | 1.17% | 1.44% | 83.76% |
| March 31, 2026 | 15.67% | 1.32% | 1.32% | 86.47% |
| December 31, 2025 | 15.43% | 0.79% | 1.53% | 86.22% |
| September 30, 2025 | 15.61% | 1.39% | 1.60% | 88.54% |
| June 30, 2025 | 15.32% | 0.99% | 1.12% | 89.31% |
| March 31, 2025 | 15.22% | 1.43% | 0.80% | 89.12% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.