Credit Union Safety Analysis
Is Westmark Credit Union Safe? Idaho Falls, Idaho
Based on its Q2 2026 NCUA 5300 call report, Westmark Credit Union has a net worth ratio of 8.11%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.30%, 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, Westmark Credit Union's net worth ratio is 8.11%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.11%
- Delinquency ratio (60+ days) (Q2 2026): 0.30%
- Return on assets (Q2 2026): 0.50%
- Loan-to-share ratio (Q2 2026): 104.32%
Westmark Credit Union (NCUA charter 68353, established 1954) reported $1.66B in assets and 84,057 members for Q2 2026 from Idaho Falls, Idaho. It ranks 3 of 26 credit unions in Idaho by total assets. Total assets grew 5.7% from $1.57B on June 30, 2025. 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.
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: 8.09% for Q1 2026; 8.40% 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: 0.30% for Q1 2026; 0.26% 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: 0.43% for Q1 2026; 0.44% 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: 102.91% for Q1 2026; 105.37% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $459.6M
- Used vehicle loans: $404.0M
- Other secured non-real estate loans and lines of credit: $212.8M
- New vehicle loans: $194.4M
- Commercial loans: $117.3M
- Unsecured credit card loans: $43.0M
- Other unsecured loans and lines of credit: $15.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.66B | 8.11% | 0.30% | 0.50% | 104.32% |
| March 31, 2026 | $1.62B | 8.09% | 0.30% | 0.43% | 102.91% |
| December 31, 2025 | $1.63B | 8.20% | 0.29% | 0.55% | 105.12% |
| September 30, 2025 | $1.60B | 8.31% | 0.27% | 0.49% | 105.06% |
| June 30, 2025 | $1.57B | 8.40% | 0.26% | 0.44% | 105.37% |
| March 31, 2025 | $1.47B | 8.47% | 0.25% | 0.34% | 97.71% |
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Free to use. It shows Westmark Credit Union’s latest filed figures and updates each quarter.
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 68353) · FFIEC NIC profile (RSSD 478494)
Frequently asked questions
Is Westmark Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Westmark Credit Union's net worth ratio is 8.11%, above the 7% NCUA threshold for well capitalized.
Is Westmark Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Westmark Credit Union is a federally insured credit union (NCUA charter 68353): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Westmark Credit Union's key safety ratios?
For Q2 2026, Westmark Credit Union reports net worth 8.11%, delinquency 0.30%, ROA 0.50%, loan-to-share 104.32%.
What happens to my money if Westmark Credit Union fails?
For Q2 2026, Westmark Credit Union held $1.39B in shares and deposits for 84,057 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.