Westby Co-op
Westby, WI · Charter 67208 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
$1.0BAssets
$705.4MLoans
$842.2MShares
$160.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions $1B-$10B in assets (rank 27 of 435).
- Widest gap: nonperforming loans / loans trails 88% of credit unions $1B-$10B in assets (rank 384 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.23%
Rank 76 of 435
Net Interest Margin
3.54%
Rank 170 of 435
Efficiency Ratio
66.50%
Rank 127 of 435
Equity / Assets
15.64%
Rank 27 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.55% | 0.81% | 1.14% | Beats 83% | 76 / 435 | |
| Return on Equity | 7.86% | 5.12% | 7.41% | 9.70% | Beats 54% | 200 / 435 | |
| Net Interest Margin | 3.54% | 3.01% | 3.39% | 3.75% | Beats 61% | 170 / 435 | |
| Efficiency Ratio | 66.50% | 65.25% | 71.39% | 77.86% | Beats 71% | 127 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.44% | 0.45% | 0.69% | 1.05% | Beats 12% | 384 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.64% | 9.81% | 10.84% | 12.63% | Beats 94% | 27 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.64% | 9.81% | 10.84% | 12.63% | Beats 94% | 27 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 83.76% | 78.33% | 88.38% | 95.61% | 37th pctl | 273 / 435 | |
| Loans / Assets | 68.90% | 67.69% | 74.58% | 80.80% | 29th pctl | 310 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |