Credit Union Safety Analysis
Is Westby Co-Op Credit Union Safe? Westby, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Westby Co-Op Credit Union has a net worth ratio of 15.64%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.44%, 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, Westby Co-Op Credit Union's net worth ratio is 15.64%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.64%
- Delinquency ratio (60+ days) (Q2 2026): 1.44%
- Return on assets (Q2 2026): 1.17%
- Loan-to-share ratio (Q2 2026): 83.76%
Westby Co-Op Credit Union (NCUA charter 67208, established 1900) reported $1.02B in assets and 41,714 members for Q2 2026 from Westby, Wisconsin. It ranks 15 of 98 credit unions in Wisconsin by total assets. Total assets grew 5.7% from $968.8M on June 30, 2025. 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.
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: 15.67% for Q1 2026; 15.32% 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: 1.32% for Q1 2026; 1.12% 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: 1.32% for Q1 2026; 0.99% 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: 86.47% for Q1 2026; 89.31% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $363.9M
- 1- to 4-family residential and other consumer real estate loans: $187.6M
- Used vehicle loans: $75.0M
- Other secured non-real estate loans and lines of credit: $35.2M
- New vehicle loans: $22.9M
- Other unsecured loans and lines of credit: $12.4M
- Unsecured credit card loans: $8.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.02B | 15.64% | 1.44% | 1.17% | 83.76% |
| March 31, 2026 | $1.00B | 15.67% | 1.32% | 1.32% | 86.47% |
| December 31, 2025 | $996.7M | 15.43% | 1.53% | 0.79% | 86.22% |
| September 30, 2025 | $972.9M | 15.61% | 1.60% | 1.39% | 88.54% |
| June 30, 2025 | $968.8M | 15.32% | 1.12% | 0.99% | 89.31% |
| March 31, 2025 | $960.1M | 15.22% | 0.80% | 1.43% | 89.12% |
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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.
Westby Co-Op Credit Union profile
Regulator records: NCUA credit union profile (charter 67208) · FFIEC NIC profile (RSSD 142692)
Frequently asked questions
Is Westby Co-Op Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Westby Co-Op Credit Union's net worth ratio is 15.64%, above the 7% NCUA threshold for well capitalized.
Is Westby Co-Op Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Westby Co-Op Credit Union is a federally insured credit union (NCUA charter 67208): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Westby Co-Op Credit Union's key safety ratios?
For Q2 2026, Westby Co-Op Credit Union reports net worth 15.64%, delinquency 1.44%, ROA 1.17%, loan-to-share 83.76%.
What happens to my money if Westby Co-Op Credit Union fails?
For Q2 2026, Westby Co-Op Credit Union held $842.2M in shares and deposits for 41,714 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.