Credit Union Safety Analysis
Is Westerra Credit Union Safe? Denver, Colorado
Based on its Q2 2026 NCUA 5300 call report, Westerra Credit Union has a net worth ratio of 10.30%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.50%, 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, Westerra Credit Union's net worth ratio is 10.30%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.30%
- Delinquency ratio (60+ days) (Q2 2026): 0.50%
- Return on assets (Q2 2026): 0.52%
- Loan-to-share ratio (Q2 2026): 85.07%
Westerra Credit Union (NCUA charter 65788, established 1934) reported $2.06B in assets and 94,208 members for Q2 2026 from Denver, Colorado. It ranks 7 of 61 credit unions in Colorado by total assets. Total assets fell 3.2% from $2.13B on June 30, 2025. 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.
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: 10.23% for Q1 2026; 9.99% 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: 1.71% for Q1 2026; 0.46% 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: 0.42% for Q1 2026; 0.72% 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: 83.31% for Q1 2026; 86.77% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $709.9M
- Commercial loans: $456.2M
- Used vehicle loans: $168.2M
- Other secured non-real estate loans and lines of credit: $30.3M
- Unsecured credit card loans: $27.5M
- Other unsecured loans and lines of credit: $15.2M
- New vehicle loans: $13.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.06B | 10.30% | 0.50% | 0.52% | 85.07% |
| March 31, 2026 | $2.05B | 10.23% | 1.71% | 0.42% | 83.31% |
| December 31, 2025 | $2.07B | 10.02% | 1.68% | -0.65% | 84.61% |
| September 30, 2025 | $2.10B | 10.08% | 0.54% | -0.11% | 84.88% |
| June 30, 2025 | $2.13B | 9.99% | 0.46% | 0.72% | 86.77% |
| March 31, 2025 | $2.15B | 9.71% | 0.35% | 0.40% | 87.54% |
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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.
Regulator records: NCUA credit union profile (charter 65788) · FFIEC NIC profile (RSSD 235594)
Frequently asked questions
Is Westerra Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Westerra Credit Union's net worth ratio is 10.30%, above the 7% NCUA threshold for well capitalized.
Is Westerra Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Westerra Credit Union is a federally insured credit union (NCUA charter 65788): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Westerra Credit Union's key safety ratios?
For Q2 2026, Westerra Credit Union reports net worth 10.30%, delinquency 0.50%, ROA 0.52%, loan-to-share 85.07%.
What happens to my money if Westerra Credit Union fails?
For Q2 2026, Westerra Credit Union held $1.67B in shares and deposits for 94,208 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.