TellerScore

Headquartered in Denver, Colorado, Westerra Credit Union is a federally insured state-chartered credit union with $2.1B in total assets and $1.7B in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1934.

Based on its Q2 2026 filing, Westerra Credit Union scores 65/100, which we describe as moderate. That is higher than only 41% of 454 credit unions with $1 billion – $10 billion. Among 62 credit unions headquartered in Colorado, it ranks 33rd. Its strongest component is problem-loan coverage (93/100; 3.4%), and its lowest is earnings (39/100; 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.30%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity75/100
Loans ÷ shares: 85.1% · 9.5% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.43%

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 (65 → 65).

TellerScore
505865Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202462
Q1 202564
Q2 202565
Q3 202563
Q4 202550
Q1 202653
Q2 202665
Net worth ratio
7.00%8.65%10.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.68%
Q3 20249.72%
Q4 20249.69%
Q1 20259.71%
Q2 20259.99%
Q3 202510.08%
Q4 202510.02%
Q1 202610.23%
Q2 202610.30%
Delinquent loans (60+ days)
0.35%1.03%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.44%
Q4 20240.42%
Q1 20250.35%
Q2 20250.46%
Q3 20250.54%
Q4 20251.68%
Q1 20261.71%
Q2 20260.50%
Return on assets
0.10%0.33%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.31%
Q3 20240.25%
Q4 20240.26%
Q1 20250.40%
Q2 20250.57%
Q3 20250.34%
Q4 20250.10%
Q1 20260.42%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$2.1B10.30%0.50%0.47%85.1%
Q1 202653$2.0B10.23%1.71%0.42%83.3%
Q4 202550$2.1B10.02%1.68%0.10%84.6%
Q3 202563$2.1B10.08%0.54%0.34%84.9%
Q2 202565$2.1B9.99%0.46%0.57%86.8%
Q1 202564$2.1B9.71%0.35%0.40%87.5%
Q4 202462$2.1B9.69%0.42%0.26%88.3%
Q3 202462$2.1B9.72%0.44%0.25%84.4%
Q2 202463$2.1B9.68%0.39%0.31%81.8%

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 ratio10.30%
35th
Problem loans0.50%
69th
Net charge-offs0.94%
18th
Return on assets0.47%
20th
Loans to deposits85.1%
58th
Uninsured deposits9.5%
47th
Loan-loss reserves0.00%
50th
Texas ratio3.4%
70th

Similar-size credit unions in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Credit Union of Colorado, aCredit union Denver, CO65 out of 100, Moderate$2.6B10.4%0.74%vs
Credit Union of DenverCredit union Lakewood, CO75 out of 100, Strong$1.2B12.6%0.48%vs
Elevations Credit UnionCredit union Boulder, CO72 out of 100, Strong$3.5B11.7%0.49%vs
Meritrust Credit UnionCredit union Broomfield, CO54 out of 100, Below average$4.1B8.1%0.48%vs
Canvas Credit UnionCredit union Lone Tree, CO56 out of 100, Moderate$5.3B9.5%1.14%vs
Bellco Credit UnionCredit union Greenwood Villa, CO55 out of 100, Moderate$8.5B10.3%1.47%vs

Deposit insurance

Is my money safe at Westerra Credit Union?

Yes. Westerra Credit Union is a federally insured credit union (NCUA charter #65788). 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 9.5% of shares and deposits ($159.4M) 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 10.30%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Westerra Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Westerra Credit Union reported 1,593 home-loan applications under HMDA (LEI 549300GYQ8ZT1NUXRM52): 931 originated ($220,235,000 total), 403 denied, and 208 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.1%, 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
Westerra Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65788
RSSD ID
235594
Primary regulator
State + NCUA
Established
1934
Headquarters
3700 E Alameda Ave, Denver, CO 80209
Employees
313

Quick answers

Westerra Credit Union: common questions

Is Westerra Credit Union NCUA insured?

Yes. Westerra Credit Union is a federally insured credit union (NCUA charter #65788). 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 Westerra Credit Union's TellerScore?

65 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 Westerra Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Denver

InstitutionScoreAssetsCapitalProblem loansCompare
AMG National Trust BankBank Boulder, CO94 out of 100, Very strong$722.9M15.4%0.04%vs
Star Tech Federal Credit UnionCredit union Greenwood Villa, CO91 out of 100, Very strong$11.1M22.2%0.38%vs
Denver Fire Department Federal Credit UnionCredit union Denver, CO89 out of 100, Very strong$213.5M14.2%0.09%vs
5Star BankBank Colorado Springs, CO87 out of 100, Very strong$378.2M17.2%0.16%vs
Transact Bank, National AssociationBank Denver, CO86 out of 100, Very strong$6.5M16.3%0.00%vs
Affidian Federal Credit UnionCredit union Denver, CO85 out of 100, Very strong$360.1M18.9%0.85%vs