Westby Co-Op

WESTBY, WI · 2 · Charter #67208 · www.wccu.coop
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$996.7M
100th percentile
Members
41,097
75th percentile
Total loans
$702.3M
97th percentile
Total shares
$814.6M
98th percentile

Profitability

Return on assets
1.35%
76th percentile
Net interest margin
3.42%
47th percentile
Efficiency ratio
48.97%
85th percentile
Non-interest income ratio
16.51%
34th percentile

Capital & Risk

Net worth ratio
15.43%
92th percentile
Delinquency rate
1.53%
11th percentile
Net charge-off rate
0.32%
59th percentile
Loan-to-share
86.22%
64th percentile

Growth

Member growth YoY
0.33%
47th percentile
Asset growth YoY
5.07%
49th percentile
Loan growth YoY
0.04%
26th percentile
Share growth YoY
4.78%
52th percentile

Operations

Members / branch
3,425
23th percentile
Assets / member
$24,253
89th percentile
Field of membership penetration
3.48%
43th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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