Westar

CAMILLUS, NY · 1 · Charter #15386 · www.westarfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$33.2M
81th percentile
Members
1,793
61th percentile
Total loans
$9.6M
64th percentile
Total shares
$29.8M
84th percentile

Profitability

Return on assets
0.54%
37th percentile
Net interest margin
3.49%
33th percentile
Efficiency ratio
76.26%
30th percentile
Non-interest income ratio
6.92%
41th percentile

Capital & Risk

Net worth ratio
10.29%
17th percentile
Delinquency rate
0.51%
57th percentile
Net charge-off rate
0.09%
62th percentile
Loan-to-share
32.16%
14th percentile

Growth

Member growth YoY
-6.27%
12th percentile
Asset growth YoY
0.42%
44th percentile
Loan growth YoY
-16.06%
10th percentile
Share growth YoY
-0.03%
47th percentile

Operations

Members / branch
1,793
73th percentile
Assets / member
$18,533
94th percentile
Field of membership penetration
2.33%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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