Headquartered in O Fallon, Missouri, West Community Credit Union is a federally insured state-chartered credit union with $656.2M in total assets and $585.2M in member shares and deposits as of Q2 2026. It operates 11 offices across 2 states. Its charter dates back to 1936.
West Community Credit Union has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 75th. Problem-loan coverage contributes the most (73/100, 13.3%); capital cushion contributes the least (32/100, 8.21%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (44 → 52), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 42 |
| Q4 2024 | 45 |
| Q1 2025 | 48 |
| Q2 2025 | 44 |
| Q3 2025 | 51 |
| Q4 2025 | 51 |
| Q1 2026 | 55 |
| Q2 2026 | 52 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.06% |
| Q3 2024 | 8.12% |
| Q4 2024 | 8.19% |
| Q1 2025 | 8.26% |
| Q2 2025 | 8.19% |
| Q3 2025 | 8.38% |
| Q4 2025 | 8.52% |
| Q1 2026 | 8.60% |
| Q2 2026 | 8.21% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.31% |
| Q3 2024 | 1.58% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.66% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.04% |
| Q2 2026 | 1.40% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.50% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.86% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $656.2M | 8.21% | 1.40% | 0.86% | 87.8% |
| Q1 2026 | 55 | $498.8M | 8.60% | 1.04% | 0.83% | 97.0% |
| Q4 2025 | 51 | $491.3M | 8.52% | 1.13% | 0.51% | 98.6% |
| Q3 2025 | 51 | $491.1M | 8.38% | 1.17% | 0.50% | 97.3% |
| Q2 2025 | 44 | $494.8M | 8.19% | 1.66% | 0.39% | 95.5% |
| Q1 2025 | 48 | $483.9M | 8.26% | 1.24% | 0.32% | 98.3% |
| Q4 2024 | 45 | $483.2M | 8.19% | 1.47% | 0.33% | 102.4% |
| Q3 2024 | 42 | $480.5M | 8.12% | 1.58% | 0.28% | 104.0% |
| Q2 2024 | 45 | $483.9M | 8.06% | 1.31% | 0.24% | 101.0% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Neighbors Credit UnionCredit union Saint Louis, MO | 66 out of 100, Moderate | $573.3M | 12.4% | 1.22% | vs |
| Infuze Federal Credit UnionCredit union Fort Leonard Wo, MO | 72 out of 100, Strong | $456.9M | 10.5% | 0.36% | vs |
| Assemblies of God Credit UnionCredit union Springfield, MO | 41 out of 100, Below average | $450.5M | 8.8% | 2.29% | vs |
| St. Louis Community Credit UnionCredit union Saint Louis, MO | 58 out of 100, Moderate | $445.0M | 15.0% | 5.79% | vs |
| Alliance Credit UnionCredit union Fenton, MO | 66 out of 100, Moderate | $423.1M | 11.7% | 0.69% | vs |
| Blucurrent Credit UnionCredit union Springfield, MO | 65 out of 100, Moderate | $406.1M | 10.2% | 0.34% | vs |
Deposit insurance
Is my money safe at West Community Credit Union?
Yes. West Community Credit Union is a federally insured credit union (NCUA charter #62801). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.6% of shares and deposits ($38.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 8.21%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
11 locations
Branches
West Community Credit Union lists 11 offices in 8 cities across 2 states. Most locations:
- Columbia, MO (3)
- Saint Louis, MO (2)
- Florissant, MO (1)
- Lake St Louis, MO (1)
- O Fallon, MO (1)
- Saint Peters, MO (1)
- Shiloh, IL (1)
- Twin Oaks, MO (1)
HMDA 2025
Mortgage lending
In 2025, West Community Credit Union reported 992 home-loan applications under HMDA (LEI 549300CCELEPUO4TOE73): 623 originated ($86,515,000 total), 207 denied, and 52 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- West Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62801
- RSSD ID
- 680194
- Primary regulator
- State + NCUA
- Established
- 1936
- Headquarters
- 4161 Highway K, O Fallon, MO 63368
- Employees
- 172
Quick answers
West Community Credit Union: common questions
Is West Community Credit Union NCUA insured?
Yes. West Community Credit Union is a federally insured credit union (NCUA charter #62801). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is West Community Credit Union's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does West Community Credit Union have?
11 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near O Fallon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Bank of KampsvilleBank Kampsville, IL | 91 out of 100, Very strong | $134.1M | 17.4% | 0.01% | vs |
| Co - Lib Credit UnionCredit union Saint Louis, MO | 91 out of 100, Very strong | $1.4M | 15.5% | 0.82% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |