Western Cooperative
Williston, ND · Charter 61758 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$522.2MAssets
$238.1MLoans
$452.5MShares
$74.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 83% of credit unions under $1B in assets (rank 294 of 1682).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets (rank 1561 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.27%
Rank 365 of 1,683
Net Interest Margin
3.58%
Rank 1,057 of 1,683
Efficiency Ratio
64.89%
Rank 294 of 1,682
Equity / Assets
14.20%
Rank 642 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.35% | 0.74% | 1.18% | Beats 78% | 365 / 1,683 | | |
| Return on Equity | 8.91% | 2.67% | 5.89% | 8.74% | Beats 76% | 402 / 1,681 | | |
| Net Interest Margin | 3.58% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,057 / 1,683 | | |
| Efficiency Ratio | 64.89% | 68.91% | 78.20% | 86.93% | Beats 83% | 294 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.17% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,561 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.20% | 10.44% | 12.89% | 16.53% | Beats 62% | 642 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.20% | 10.44% | 12.89% | 16.53% | Beats 62% | 642 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.61% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,263 / 1,683 | | |
| Loans / Assets | 45.59% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,241 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |