West Community

O Fallon, MO · 2 · Charter #62801 · www.westcommunitycu.org
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
$491.3M
56th percentile
Members
32,286
59th percentile
Total loans
$410.5M
69th percentile
Total shares
$394.5M
52th percentile

Profitability

Return on assets
1.14%
63th percentile
Net interest margin
4.33%
91th percentile
Efficiency ratio
58.44%
54th percentile
Non-interest income ratio
19.19%
51th percentile

Capital & Risk

Net worth ratio
8.52%
10th percentile
Delinquency rate
1.13%
23th percentile
Net charge-off rate
0.81%
17th percentile
Loan-to-share
104.06%
95th percentile

Growth

Member growth YoY
-0.36%
39th percentile
Asset growth YoY
1.66%
22th percentile
Loan growth YoY
0.86%
32th percentile
Share growth YoY
4.06%
44th percentile

Operations

Members / branch
3,229
21th percentile
Assets / member
$15,216
41th percentile
Field of membership penetration
1.89%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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