Westside Community

CHURCHVILLE, NY · 1 · Charter #15324 · www.wscfcu.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
$24.4M
69th percentile
Members
1,852
62th percentile
Total loans
$13.2M
74th percentile
Total shares
$21.7M
71th percentile

Profitability

Return on assets
1.74%
85th percentile
Net interest margin
3.63%
37th percentile
Efficiency ratio
47.60%
86th percentile
Non-interest income ratio
2.00%
19th percentile

Capital & Risk

Net worth ratio
10.77%
21th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.01%
92th percentile
Loan-to-share
60.99%
50th percentile

Growth

Member growth YoY
0.00%
66th percentile
Asset growth YoY
-0.13%
40th percentile
Loan growth YoY
-3.70%
47th percentile
Share growth YoY
-1.88%
35th percentile

Operations

Members / branch
1,852
75th percentile
Assets / member
$13,173
77th percentile
Field of membership penetration
2.41%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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