WESTERRA
Charter #65788 · Denver, CO · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.71% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 38th percentile but its structural peers at the 67th — a 30-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 | WESTERRA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.05B | 45th pct | 66th pct |
| Members | 96,647 | 39th pct | 62th pct |
| Net worth ratio | 10.23% | 38th pct | 67th pct |
| Return on average assets | 0.42% | 22th pct | 34th pct |
| Net interest margin | 3.21% | 41th pct | 49th pct |
| Cost of funds | 1.31% | 30th pct | 30th pct |
| Loan-to-share | 83.31% | 40th pct | 25th pct |
| Delinquency 60+ days | 1.71% | 96th pct | 92th pct |
| Net charge-off ratio | 0.46% | 44th pct | 52th pct |
| Loan growth YoY | -0.88% | 16th pct | 38th pct |
| Share growth YoY | 0.99% | 10th pct | 25th pct |
| Efficiency ratio | 85.39% | 91th pct | 74th pct |
structural peer set hash: 14e9909b8952d51ff71960bac110b201… (reproducible)
Closest structural peers
This is the free public view
Claim WESTERRA
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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.