TellerScore

Westerly Community Credit Union (NCUA charter #67270) is based in Wakefield, Rhode Island. Its Q2 2026 call report shows $519.9M in total assets and $451.3M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Westerly Community Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 14 credit unions headquartered in Rhode Island, it ranks 10th. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is capital cushion (44/100; 9.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.44%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity66/100
Loans ÷ shares: 93.9% · 7.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.86%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 66).

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202461
Q1 202562
Q2 202567
Q3 202566
Q4 202566
Q1 202665
Q2 202666
Net worth ratio
7.00%8.22%9.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.79%
Q3 20248.75%
Q4 20248.72%
Q1 20258.77%
Q2 20259.00%
Q3 20259.10%
Q4 20259.30%
Q1 20269.39%
Q2 20269.44%
Delinquent loans (60+ days)
0.12%0.19%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.15%
Q4 20240.16%
Q1 20250.14%
Q2 20250.12%
Q3 20250.14%
Q4 20250.24%
Q1 20260.27%
Q2 20260.21%
Return on assets
0.22%0.51%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.28%
Q4 20240.29%
Q1 20250.32%
Q2 20250.80%
Q3 20250.77%
Q4 20250.77%
Q1 20260.62%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$519.9M9.44%0.21%0.75%93.9%
Q1 202665$511.4M9.39%0.27%0.62%91.6%
Q4 202566$506.6M9.30%0.24%0.77%93.2%
Q3 202566$503.0M9.10%0.14%0.77%90.6%
Q2 202567$503.8M9.00%0.12%0.80%90.3%
Q1 202562$498.5M8.77%0.14%0.32%90.0%
Q4 202461$497.7M8.72%0.16%0.29%91.8%
Q3 202461$492.4M8.75%0.15%0.28%93.8%
Q2 202460$487.9M8.79%0.21%0.22%92.7%

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).

Capital ratio9.44%
19th
Problem loans0.21%
89th
Net charge-offs0.08%
88th
Return on assets0.75%
51st
Loans to deposits93.9%
10th
Uninsured deposits7.4%
35th
Loan-loss reserves0.00%
50th
Texas ratio1.9%
77th

Similar-size credit unions in Rhode Island

InstitutionScoreAssetsCapitalProblem loansCompare
Rhode Island Credit UnionCredit union Warwick, RI65 out of 100, Moderate$425.1M10.4%0.38%vs
Ocean State Credit UnionCredit union Coventry, RI53 out of 100, Below average$350.7M11.4%1.55%vs
The Peoples Credit UnionCredit union Middletown, RI59 out of 100, Moderate$811.2M10.0%0.57%vs
Wave Federal Credit UnionCredit union Warwick, RI71 out of 100, Strong$156.8M12.3%0.93%vs
Greenwood Credit UnionCredit union Warwick, RI67 out of 100, Moderate$957.3M10.1%0.48%vs

Deposit insurance

Is my money safe at Westerly Community Credit Union?

Yes. Westerly Community Credit Union is a federally insured credit union (NCUA charter #67270). 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 7.4% of shares and deposits ($33.5M) 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 9.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Westerly Community Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Westerly Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67270
RSSD ID
525996
Primary regulator
State + NCUA
Established
1948
Headquarters
4979 Tower Hill Road, Wakefield, RI 02879
Employees
79

Quick answers

Westerly Community Credit Union: common questions

Is Westerly Community Credit Union NCUA insured?

Yes. Westerly Community Credit Union is a federally insured credit union (NCUA charter #67270). 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 Westerly Community Credit Union's TellerScore?

66 out of 100 (Moderate), 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 Westerly Community Credit Union have?

3 offices as of the latest NCUA data.