WESTERN COOPERATIVE
Charter #61758 · Williston, ND · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.94% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.43% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.58% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.01% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.33% sits at the 93rd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WESTERN COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $521.51M | 9th pct | 59th pct |
| Members | 18,228 | 2th pct | 34th pct |
| Net worth ratio | 13.94% | 87th pct | 75th pct |
| Return on average assets | 1.43% | 88th pct | 79th pct |
| Net interest margin | 3.58% | 57th pct | 84th pct |
| Cost of funds | 0.01% | 1th pct | 2th pct |
| Loan-to-share | 49.82% | 5th pct | 23th pct |
| Delinquency 60+ days | 2.33% | 99th pct | 93th pct |
| Net charge-off ratio | 0.06% | 6th pct | 15th pct |
| Loan growth YoY | -5.07% | 4th pct | 5th pct |
| Share growth YoY | 4.36% | 55th pct | 66th pct |
| Efficiency ratio | 66.30% | 16th pct | 33th pct |
structural peer set hash: b1ca90eadd3af4903eccc6c292a54320… (reproducible)
Closest structural peers
This is the free public view
Claim WESTERN COOPERATIVE
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.