WESTBY CO-OP
Charter #67208 · WESTBY, WI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.67% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.32% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.32% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.60% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 0th percentile but its structural peers at the 48th — a 47-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 | WESTBY CO-OP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.00B | 0th pct | 48th pct |
| Members | 41,218 | 2th pct | 39th pct |
| Net worth ratio | 15.67% | 95th pct | 95th pct |
| Return on average assets | 1.32% | 87th pct | 89th pct |
| Net interest margin | 3.58% | 65th pct | 67th pct |
| Cost of funds | 1.95% | 58th pct | 64th pct |
| Loan-to-share | 86.47% | 50th pct | 51th pct |
| Delinquency 60+ days | 1.32% | 90th pct | 79th pct |
| Net charge-off ratio | 0.30% | 24th pct | 61th pct |
| Loan growth YoY | 0.59% | 35th pct | 36th pct |
| Share growth YoY | 2.99% | 31th pct | 30th pct |
| Efficiency ratio | 65.60% | 24th pct | 13th pct |
structural peer set hash: f4768e43f6f77e156a1604344b10b7f3… (reproducible)
Closest structural peers
This is the free public view
Claim WESTBY CO-OP
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.