Westerra

Denver, CO · 2 · Charter #65788 · www.westerracu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.1B
48th percentile
Members
113,534
48th percentile
Total loans
$1.4B
48th percentile
Total shares
$1.7B
48th percentile

Profitability

Return on assets
-0.52%
2th percentile
Net interest margin
3.23%
51th percentile
Efficiency ratio
50.23%
56th percentile
Non-interest income ratio
13.32%
17th percentile

Capital & Risk

Net worth ratio
10.02%
34th percentile
Delinquency rate
1.68%
8th percentile
Net charge-off rate
0.42%
59th percentile
Loan-to-share
84.61%
38th percentile

Growth

Member growth YoY
1.49%
40th percentile
Asset growth YoY
-2.86%
4th percentile
Loan growth YoY
-1.87%
12th percentile
Share growth YoY
2.55%
24th percentile

Operations

Members / branch
12,615
87th percentile
Assets / member
$18,223
52th percentile
Field of membership penetration
3.55%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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