Westerra Credit Union Denver, Colorado
Westerra Credit Union is a state-chartered credit union headquartered in Denver, CO, established in 1934 (NCUA charter 65788), and it is regulated and insured by the NCUA. At Q2 2026 it reported 94,208 members and total assets of $2.06B (down 3.2% from Q2 2025), the 7th largest of 61 credit unions headquartered in Colorado. Its net worth ratio was 10.30% at Q2 2026, in the well capitalized band.
Also written as Westerra 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
- 65788
- Headquarters
- Denver, CO
- Established
- 1934
- Total assets, Q2 2026
- $2.06B
- Assets vs Q2 2025
- -3.2%
- Members, Q2 2026
- 94,208
- Net worth ratio, Q2 2026
- 10.30%
- Latest call report
- Q2 2026, NCUA 5300 · Westerra Credit Union call report
- Asset rank in state
- 7th of 61 in Colorado
- Routing number
- 302075319
- Branches
- 9
It has 19,937 fewer members than on June 30, 2025 (-17.5%). Its net worth ratio was up 0.31 percentage points from 9.99% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $709.9M of $1.42B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.50% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.30% net worth ratio is below that band's 10.89% median.
Credit unions merged into Westerra Credit Union
Frequently asked about Westerra Credit Union
How big is Westerra Credit Union?
At Q2 2026 it reported total assets of $2.06B and 94,208 members.
Where is Westerra Credit Union headquartered?
It is headquartered in Denver, CO, United States.
When was Westerra Credit Union founded?
It was established in 1934, per NCUA records.
Is Westerra Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65788): 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 Westerra 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 Westerra Credit Union well capitalized?
Its net worth ratio was 10.30% 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 Westerra Credit Union's delinquency ratio?
Its delinquency ratio was 0.50% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Westerra Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.07% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Denver, CO 80209
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 65788
- RSSD ID
- 235594
- Members
- 94,208
- Potential members
- 3,200,000
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 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.30% | 10.89% | 36th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.52% | 0.89% | 21st bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.02% | 8.07% | 23rd bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.28% | 3.45% | 40th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 82.47% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.27% | 1.68% | 14th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.50% | 0.68% | 70th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.56% | 5.12% | 79th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 85.07% | 88.03% | 42nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.06B total assets against $2.13B; $1.67B total shares and deposits against $1.68B; $1.42B total loans against $1.46B.
$212.2M net worth against $212.6M.
10.30% net worth ratio against 9.99%.
85.07% loan-to-share ratio against 86.77%.
0.50% delinquency ratio against 0.46%.
0.52% return on assets against 0.72%; 5.02% return on equity against 7.23%.
3.28% net interest margin against 3.16%.
94,208 members against 114,145.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.30% | 0.52% | 0.50% | 85.07% |
| March 31, 2026 | 10.23% | 0.42% | 1.71% | 83.31% |
| December 31, 2025 | 10.02% | -0.65% | 1.68% | 84.61% |
| September 30, 2025 | 10.08% | -0.11% | 0.54% | 84.88% |
| June 30, 2025 | 9.99% | 0.72% | 0.46% | 86.77% |
| March 31, 2025 | 9.71% | 0.40% | 0.35% | 87.54% |
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.