TellerScore

Headquartered in Westby, Wisconsin, Westby Co-Op Credit Union is a federally insured state-chartered credit union with $1.0B in total assets and $842.2M in member shares and deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1939.

Westby Co-Op Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 454 credit unions with $1 billion – $10 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 40th. Capital cushion contributes the most (100/100, 15.64%); loan quality contributes the least (52/100, 1.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.64%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.44%
Earnings69/100
Return on assets (annualized): 1.23%
Funding & liquidity76/100
Loans ÷ shares: 83.8% · 10.3% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.59%

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 fell 2 points (79 → 77), mostly because the loan quality component weakened by 11 points.

TellerScore
758084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202477
Q4 202477
Q1 202584
Q2 202579
Q3 202575
Q4 202575
Q1 202679
Q2 202677
Net worth ratio
7.00%11.34%15.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202414.79%
Q3 202415.00%
Q4 202415.37%
Q1 202515.22%
Q2 202515.32%
Q3 202515.61%
Q4 202515.43%
Q1 202615.67%
Q2 202615.64%
Delinquent loans (60+ days)
0.80%1.20%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.03%
Q3 20240.98%
Q4 20241.03%
Q1 20250.80%
Q2 20251.12%
Q3 20251.60%
Q4 20251.53%
Q1 20261.32%
Q2 20261.44%
Return on assets
0.79%1.11%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.79%
Q3 20240.87%
Q4 20240.88%
Q1 20251.43%
Q2 20251.20%
Q3 20251.26%
Q4 20251.12%
Q1 20261.32%
Q2 20261.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$1.0B15.64%1.44%1.23%83.8%
Q1 202679$1.0B15.67%1.32%1.32%86.5%
Q4 202575$996.7M15.43%1.53%1.12%86.2%
Q3 202575$972.9M15.61%1.60%1.26%88.5%
Q2 202579$968.8M15.32%1.12%1.20%89.3%
Q1 202584$960.1M15.22%0.80%1.43%89.1%
Q4 202477$948.6M15.37%1.03%0.88%90.3%
Q3 202477$928.7M15.00%0.98%0.87%92.1%
Q2 202475$925.3M14.79%1.03%0.79%93.6%

454 peers · $1 billion – $10 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).

Capital ratio15.64%
94th
Problem loans1.44%
12th
Net charge-offs0.24%
82nd
Return on assets1.23%
83rd
Loans to deposits83.8%
62nd
Uninsured deposits10.3%
39th
Loan-loss reserves0.00%
50th
Texas ratio6.6%
31st

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Marine Credit UnionCredit union La Crosse, WI53 out of 100, Below average$1.1B12.2%2.26%vs
Verve, a Credit UnionCredit union Oshkosh, WI65 out of 100, Moderate$1.6B9.8%0.38%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Capital Credit UnionCredit union Green Bay, WI69 out of 100, Moderate$2.8B12.3%0.90%vs
Altra Federal Credit UnionCredit union Onalaska, WI78 out of 100, Strong$3.1B12.7%0.46%vs
Fox Communities Credit UnionCredit union Appleton, WI73 out of 100, Strong$3.4B10.9%0.29%vs

Deposit insurance

Is my money safe at Westby Co-Op Credit Union?

Yes. Westby Co-Op Credit Union is a federally insured credit union (NCUA charter #67208). 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 10.3% of shares and deposits ($86.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 15.64%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Westby Co-Op Credit Union lists 11 offices in 9 cities. Most locations:

  • Reedsburg, WI (2)
  • Richland Center, WI (2)
  • Baraboo, WI (1)
  • Cashton, WI (1)
  • Coon Valley, WI (1)
  • Portage, WI (1)
  • Prairie du Sac, WI (1)
  • Viroqua, WI (1)
  • Westby, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Westby Co-Op Credit Union reported 479 home-loan applications under HMDA (LEI 894500PCG3NCYFXK0D60): 383 originated ($52,685,000 total), 16 denied, and 78 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, 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
Westby Co-Op Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67208
RSSD ID
142692
Primary regulator
State + NCUA
Established
1939
Headquarters
P O Box 70, Westby, WI 54667
Employees
224

Quick answers

Westby Co-Op Credit Union: common questions

Is Westby Co-Op Credit Union NCUA insured?

Yes. Westby Co-Op Credit Union is a federally insured credit union (NCUA charter #67208). 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 Westby Co-Op Credit Union's TellerScore?

77 out of 100 (Strong), 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 Westby Co-Op Credit Union have?

11 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Westby

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of BangorBank Bangor, WI83 out of 100, Strong$363.7M31.6%0.95%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs
Union State BankBank West Salem, WI82 out of 100, Strong$117.6M12.2%0.14%vs
Peoples State BankBank Prairie Du Chien, WI80 out of 100, Strong$993.0M11.5%0.21%vs
Bank of CashtonBank Cashton, WI79 out of 100, Strong$146.1M10.9%0.00%vs