Westmark Credit Union Idaho Falls, Idaho
Westmark Credit Union is a state-chartered credit union headquartered in Idaho Falls, ID, established in 1954 (NCUA charter 68353), and it is regulated and insured by the NCUA. At Q2 2026 it reported 84,057 members and total assets of $1.66B (up 5.7% from Q2 2025), the 3rd largest of 26 credit unions headquartered in Idaho. Its net worth ratio was 8.11% at Q2 2026, in the well capitalized band.
Also written as Westmark 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
- 68353
- Headquarters
- Idaho Falls, ID
- Established
- 1954
- Total assets, Q2 2026
- $1.66B
- Assets vs Q2 2025
- +5.7%
- Members, Q2 2026
- 84,057
- Net worth ratio, Q2 2026
- 8.11%
- Latest call report
- Q2 2026, NCUA 5300 · Westmark Credit Union call report
- Asset rank in state
- 3rd of 26 in Idaho
- Routing number
- 324173079
- Branches
- 15
It has 4,213 more members than on June 30, 2025 (+5.3%). Its net worth ratio was down 0.29 percentage points from 8.40% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $459.6M of $1.45B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.30% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 8.11% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in Idaho
Frequently asked about Westmark Credit Union
How big is Westmark Credit Union?
At Q2 2026 it reported total assets of $1.66B and 84,057 members.
Where is Westmark Credit Union headquartered?
It is headquartered in Idaho Falls, ID, United States.
When was Westmark Credit Union founded?
It was established in 1954, per NCUA records.
Is Westmark Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68353): 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 Westmark 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 Westmark Credit Union well capitalized?
Its net worth ratio was 8.11% 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 Westmark Credit Union's delinquency ratio?
Its delinquency ratio was 0.30% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Westmark Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 104.32% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Idaho Falls, ID 83404
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 68353
- RSSD ID
- 478494
- Members
- 84,057
- Potential members
- 1,100,000
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 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 8.11% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.50% | 0.89% | 21st bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.27% | 8.07% | 33rd below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.43% | 3.45% | 49th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 71.19% | 70.59% | 48th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.25% | 1.68% | 14th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.30% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.68% | 5.12% | 85th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 104.32% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.66B total assets against $1.57B; $1.39B total shares and deposits against $1.29B; $1.45B total loans against $1.36B.
$131.9M net worth against $124.3M.
8.11% net worth ratio against 8.40%.
104.32% loan-to-share ratio against 105.37%.
0.30% delinquency ratio against 0.26%.
0.50% return on assets against 0.44%; 6.27% return on equity against 5.53%.
3.43% net interest margin against 3.10%.
84,057 members against 79,844.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.11% | 0.50% | 0.30% | 104.32% |
| March 31, 2026 | 8.09% | 0.43% | 0.30% | 102.91% |
| December 31, 2025 | 8.20% | 0.55% | 0.29% | 105.12% |
| September 30, 2025 | 8.31% | 0.49% | 0.27% | 105.06% |
| June 30, 2025 | 8.40% | 0.44% | 0.26% | 105.37% |
| March 31, 2025 | 8.47% | 0.34% | 0.25% | 97.71% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.