WEST COMMUNITY
Charter #62801 · O Fallon, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 32,303 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.60% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 4.52% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.04% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 100th percentile but its structural peers at the 80th — a 20-point gap showing why the peer definition matters.
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 | WEST COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $498.82M | 100th pct | 80th pct |
| Members | 32,303 | 95th pct | 79th pct |
| Net worth ratio | 8.60% | 9th pct | 16th pct |
| Return on average assets | 0.84% | 59th pct | 70th pct |
| Net interest margin | 4.52% | 90th pct | 90th pct |
| Cost of funds | 1.81% | 81th pct | 66th pct |
| Loan-to-share | 96.98% | 97th pct | 89th pct |
| Delinquency 60+ days | 1.04% | 78th pct | 82th pct |
| Net charge-off ratio | 0.47% | 61th pct | 51th pct |
| Loan growth YoY | 1.00% | 57th pct | 39th pct |
| Share growth YoY | 1.32% | 21th pct | 23th pct |
| Efficiency ratio | 78.58% | 50th pct | 43th pct |
structural peer set hash: 79d24085f8988bd3e33b8dbad2fcd1fa… (reproducible)
Closest structural peers
This is the free public view
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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.