West-Aircomm Federal Credit Union
Total assets
$374.7M
▲ +2.2% YoY
Shares & deposits
$331.0M
▲ +1.8% YoY
Loans
$252.7M
▼ -4.5% YoY
Members
21,858
▲ +0.5% YoY
ROA (annualized)
0.95%
peers 0.69%
ROE (annualized)
7.82%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.9% | -1.7 pts |
| Share growth (YoY) | +1.8% | +3.3% | -1.5 pts |
| Loan growth (YoY) | -4.5% | +2.9% | -7.5 pts |
| ROA | 0.95% | 0.69% | +0.3 pts |
| ROE | 7.8% | 5.9% | +1.9 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- P. O. Box 568, Beaver, PA, 15009
- NCUA charter #
- 6233
- RSSD ID
- 1013986
- 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 | $374.7M | $331.0M | $252.7M | $45.5M | $889K | 0.95% | 3.49% | 2.40% | 21,858 |
| Q4 2025 | $366.3M | $324.3M | $255.0M | $44.6M | $3.6M | 0.99% | 3.56% | 2.35% | 21,822 |
| Q3 2025 | $364.9M | $321.9M | $260.1M | $44.1M | $3.1M | 1.15% | 3.54% | 2.11% | 21,854 |
| Q2 2025 | $367.4M | $325.7M | $262.2M | $42.9M | $2.0M | 1.08% | 3.47% | 2.00% | 21,815 |
| Q1 2025 | $366.5M | $325.1M | $264.7M | $42.0M | $1.0M | 1.12% | 3.50% | 1.80% | 21,753 |
| Q4 2024 | $357.8M | $315.8M | $268.6M | $40.9M | $2.3M | 0.63% | 3.23% | 1.49% | 21,712 |
| Q3 2024 | $352.8M | $312.5M | $268.8M | $41.5M | $2.8M | 1.07% | 3.30% | 1.70% | 21,655 |
| Q2 2024 | $351.2M | $311.8M | $268.0M | $40.7M | $2.0M | 1.14% | 3.23% | 1.16% | 21,591 |
Loan mix (Q1 2026): real estate $97.3M · commercial $57.6M · consumer $95.8M · securities $66.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.62% | 42th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 78.7% | 15th | |
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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