Williston, North Dakota · Peer group 6
Western Cooperative Credit Union
Western Cooperative Credit Union holds $521.5M in assets across 18,228 members as of Q1 2026 — about $29K of assets per member, on a charter dating to 1938. Charter number 61758, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $521.5M |
|---|---|
| Total loans | $225.9M |
| Total shares (deposits) | $453.4M |
| Net worth | $72.7M |
| Members | 18,228 |
| Assets per member | $29K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.3% | |
|---|---|---|
| Loans | -1.2% | around the 16th percentile of its peer group |
| Deposits | 2.1% | around the 28th percentile of its peer group |
| Members | 0.1% | around the 34th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 49.8% | lower than 96% of its peer group |
|---|---|---|
| Net worth ratio | 13.9% | around the 88th percentile of its peer group |
| Return on assets | 1.40% | around the 89th percentile of its peer group |
| Delinquency ratio | 2.33% | higher than 98% of its peer group |
| Cash / assets | 14.4% | around the 86th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Western Cooperative Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within North Dakota — the comparison set a peer ratio is measured against.
- North Star Community Credit Union
Maddock, ND
$470.6M · 22,222 members
- Dakota West Credit Union
WATFORD CITY, ND
$339.2M · 7,200 members
- Town and Country Credit Union
MINOT, ND
$781.6M · 26,494 members
- Hometown Credit Union
KULM, ND
$219.3M · 3,372 members
- Railway Credit Union
MANDAN, ND
$207.3M · 8,588 members
- Aspire Community Credit Union
MINOT, ND
$180.9M · 6,301 members
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