Wescom Central Credit Union
Total assets
$6.47B
▼ -0.3% YoY
Shares & deposits
$4.40B
▼ -4.7% YoY
Loans
$3.49B
▲ +4.1% YoY
Members
263,628
▲ +3.4% YoY
ROA (annualized)
0.23%
peers 0.71%
ROE (annualized)
2.95%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +5.1% | -5.4 pts |
| Share growth (YoY) | -4.7% | +4.9% | -9.5 pts |
| Loan growth (YoY) | +4.1% | +5.4% | -1.3 pts |
| ROA | 0.23% | 0.71% | -0.5 pts |
| ROE | 3.0% | 6.3% | -3.3 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 123 S Marengo Ave, Pasadena, CA, 91101
- NCUA charter #
- 66703
- RSSD ID
- 344692
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.47B | $4.40B | $3.49B | $510.0M | $3.8M | 0.23% | 3.03% | 0.37% | 263,628 |
| Q4 2025 | $6.31B | $4.37B | $3.48B | $506.2M | $22.0M | 0.35% | 2.95% | 0.39% | 261,174 |
| Q3 2025 | $6.36B | $4.36B | $3.43B | $513.2M | $16.7M | 0.35% | 2.89% | 0.33% | 259,450 |
| Q2 2025 | $6.51B | $4.54B | $3.40B | $506.2M | $9.7M | 0.30% | 2.76% | 0.30% | 256,722 |
| Q1 2025 | $6.49B | $4.61B | $3.35B | $499.2M | $2.7M | 0.17% | 2.70% | 0.22% | 254,920 |
| Q4 2024 | $6.28B | $4.50B | $3.35B | $496.5M | $18.5M | 0.29% | 2.67% | 0.35% | 252,184 |
| Q3 2024 | $6.42B | $4.41B | $3.33B | $507.1M | $16.5M | 0.34% | 2.58% | 0.27% | 250,042 |
| Q2 2024 | $6.48B | $4.50B | $3.31B | $500.1M | $9.5M | 0.29% | 2.51% | 0.31% | 247,718 |
Loan mix (Q1 2026): real estate $2.66B · commercial $960K · consumer $830.7M · securities $2.33B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.71% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 6.3% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.32% | 31th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 73.0% | 96th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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