Westconsin Credit Union Menomonie, Wisconsin
Westconsin Credit Union is a state-chartered credit union headquartered in Menomonie, WI, established in 1939 (NCUA charter 66742), and it is regulated and insured by the NCUA. At Q2 2026 it reported 128,032 members and total assets of $2.25B (up 7.8% from Q2 2025), the 12th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 12.95% at Q2 2026, in the well capitalized band.
Also written as Westconsin CU
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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
- 66742
- Headquarters
- Menomonie, WI
- Established
- 1939
- Total assets, Q2 2026
- $2.25B
- Assets vs Q2 2025
- +7.8%
- Members, Q2 2026
- 128,032
- Net worth ratio, Q2 2026
- 12.95%
- Latest call report
- Q2 2026, NCUA 5300 · Westconsin Credit Union call report
- Asset rank in state
- 12th of 98 in Wisconsin
- Routing number
- 291880589
- Branches
- 21
It has 2,017 more members than on June 30, 2025 (+1.6%). Its net worth ratio was up 0.23 percentage points from 12.72% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $560.8M of $1.54B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.64% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.95% net worth ratio is above that band's 10.89% median.
Credit unions merged into Westconsin Credit Union
Valley Credit Union (2015)
Frequently asked about Westconsin Credit Union
How big is Westconsin Credit Union?
At Q2 2026 it reported total assets of $2.25B and 128,032 members.
Where is Westconsin Credit Union headquartered?
It is headquartered in Menomonie, WI, United States.
When was Westconsin Credit Union founded?
It was established in 1939, per NCUA records.
Is Westconsin Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66742): 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 Westconsin 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 Westconsin Credit Union well capitalized?
Its net worth ratio was 12.95% 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 Westconsin Credit Union's delinquency ratio?
Its delinquency ratio was 0.64% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Westconsin Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 79.24% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Menomonie, WI 54751
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 66742
- RSSD ID
- 591599
- Members
- 128,032
- Potential members
- 3,963,061
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 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.95% | 10.89% | 78th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.87% | 0.89% | 49th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.74% | 8.07% | 38th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.85% | 3.45% | 77th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 68.01% | 70.59% | 59th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.28% | 1.68% | 80th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.64% | 0.68% | 54th above |
| 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% | 79.24% | 88.03% | 28th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.25B total assets against $2.08B; $1.94B total shares and deposits against $1.81B; $1.54B total loans against $1.45B.
$290.9M net worth against $264.9M.
12.95% net worth ratio against 12.72%.
79.24% loan-to-share ratio against 79.85%.
0.64% delinquency ratio against 0.82%.
0.87% return on assets against 1.02%; 6.74% return on equity against 7.99%.
3.85% net interest margin against 3.61%.
128,032 members against 126,015.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.95% | 0.87% | 0.64% | 79.24% |
| March 31, 2026 | 13.02% | 1.36% | 0.59% | 79.69% |
| December 31, 2025 | 12.87% | 1.38% | 0.72% | 80.58% |
| September 30, 2025 | 12.69% | 1.16% | 0.82% | 79.15% |
| June 30, 2025 | 12.72% | 1.02% | 0.82% | 79.85% |
| March 31, 2025 | 12.78% | 0.79% | 0.80% | 80.21% |
Scroll sideways to see every column.
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.