WESCOM CENTRAL
Charter #66703 · PASADENA, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.88% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of 0.24% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.37% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.39% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.22% sits at the 97th 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 | WESCOM CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.47B | 88th pct | 72th pct |
| Members | 263,628 | 80th pct | 59th pct |
| Net worth ratio | 7.88% | 2th pct | 0th pct |
| Return on average assets | 0.24% | 11th pct | 7th pct |
| Net interest margin | 3.07% | 33th pct | 33th pct |
| Cost of funds | 2.05% | 64th pct | 61th pct |
| Loan-to-share | 79.40% | 30th pct | 26th pct |
| Delinquency 60+ days | 0.37% | 22th pct | 11th pct |
| Net charge-off ratio | 0.39% | 33th pct | 18th pct |
| Loan growth YoY | 1.73% | 49th pct | 55th pct |
| Share growth YoY | 0.97% | 9th pct | 7th pct |
| Efficiency ratio | 89.22% | 96th pct | 97th pct |
structural peer set hash: 9a6c7ac35eff18b74dc4fb9c1db315c2… (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.