Westerra
Denver, CO · Charter 65788 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
$2.1BAssets
$1.4BLoans
$1.7BShares
$212.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 69% of credit unions $1B-$10B in assets (rank 136 of 435).
- Widest gap: efficiency ratio trails 91% of credit unions $1B-$10B in assets (rank 398 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.47%
Rank 350 of 435
Net Interest Margin
3.24%
Rank 262 of 435
Efficiency Ratio
83.89%
Rank 398 of 435
Equity / Assets
10.30%
Rank 279 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.55% | 0.81% | 1.14% | Beats 20% | 350 / 435 | | |
| Return on Equity | 4.53% | 5.12% | 7.41% | 9.70% | Beats 20% | 346 / 435 | | |
| Net Interest Margin | 3.24% | 3.01% | 3.39% | 3.75% | Beats 40% | 262 / 435 | | |
| Efficiency Ratio | 83.89% | 65.25% | 71.39% | 77.86% | Beats 9% | 398 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.45% | 0.69% | 1.05% | Beats 69% | 136 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.30% | 9.81% | 10.84% | 12.63% | Beats 36% | 279 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.30% | 9.81% | 10.84% | 12.63% | Beats 36% | 279 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.08% | 78.33% | 88.38% | 95.61% | 41st pctl | 255 / 435 | | |
| Loans / Assets | 69.00% | 67.69% | 74.58% | 80.80% | 30th pctl | 306 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |