Westminster Federal Credit Union Westminster, Colorado
Westminster Federal Credit Union is a federal credit union headquartered in Westminster, CO, established in 1960 (NCUA charter 13842), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,979 members and total assets of $54.6M (up 3.0% from Q2 2025), the 45th largest of 61 credit unions headquartered in Colorado. Its net worth ratio was 9.73% at Q2 2026, in the well capitalized band.
Also written as Westminster FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 13842
- Headquarters
- Westminster, CO
- Established
- 1960
- Total assets, Q2 2026
- $54.6M
- Assets vs Q2 2025
- +3.0%
- Members, Q2 2026
- 2,979
- Net worth ratio, Q2 2026
- 9.73%
- Latest call report
- Q2 2026, NCUA 5300 · Westminster Federal Credit Union call report
- Asset rank in state
- 45th of 61 in Colorado
- Routing number
- 307077545
- Branches
- 1
It has 212 fewer members than on June 30, 2025 (-6.6%). Its net worth ratio was up 0.15 percentage points from 9.58% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $19.0M of $26.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.11% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.73% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Colorado
Frequently asked about Westminster Federal Credit Union
How big is Westminster Federal Credit Union?
At Q2 2026 it reported total assets of $54.6M and 2,979 members.
Where is Westminster Federal Credit Union headquartered?
It is headquartered in Westminster, CO, United States.
When was Westminster Federal Credit Union founded?
It was established in 1960, per NCUA records.
Is Westminster Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 13842): 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 Westminster Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Westminster Federal Credit Union well capitalized?
Its net worth ratio was 9.73% 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 Westminster Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.11% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Westminster Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 53.95% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Westminster, CO 80031
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 13842
- RSSD ID
- 178682
- Members
- 2,979
- Potential members
- 5,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.73% | 14.31% | 14th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.01% | 0.72% | 62nd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 10.36% | 4.74% | 82nd top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.22% | 3.93% | 23rd bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 72.52% | 79.83% | 65th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.10% | 0.78% | 32nd below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.11% | 0.86% | 44th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.32% | 4.70% | 31st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 53.95% | 58.92% | 43rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$54.6M total assets against $53.0M; $49.0M total shares and deposits against $47.9M; $26.5M total loans against $28.4M.
$5.3M net worth against $5.1M.
9.73% net worth ratio against 9.58%.
53.95% loan-to-share ratio against 59.31%.
1.11% delinquency ratio against 1.74%.
1.01% return on assets against 0.84%; 10.36% return on equity against 8.79%.
3.22% net interest margin against 3.10%.
2,979 members against 3,191.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.73% | 1.01% | 1.11% | 53.95% |
| March 31, 2026 | 9.70% | 0.31% | 0.18% | 54.34% |
| December 31, 2025 | 10.06% | 0.39% | 0.21% | 60.42% |
| September 30, 2025 | 9.83% | 0.10% | 2.40% | 60.77% |
| June 30, 2025 | 9.58% | 0.84% | 1.74% | 59.31% |
| March 31, 2025 | 9.11% | -0.22% | 0.24% | 58.18% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.