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Overview / Commentary
1300 Bison Dr
Williston, ND 58801-3770

Western Cooperative Credit Union is headquartered in Williston and is the 4th largest credit union in the state of North Dakota. It is also the 643rd largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 83 employees and 21,230 members. Western Cooperative Credit Union has a A health rating.

Field of Membership Restrictions

Must live within the 75 mile radius of Williston, N.D., a 50 mile radius of Dickinson, N.D. or a 50 mile radius of Hebron, N.D. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Western Cooperative Credit Union had $584,000 in non-current loans and owned real-estate with $29.98 million in equity and loan loss allowances on hand to cover it. This gives Western Cooperative Credit Union a Texas Ratio of 1.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Western Cooperative Credit Union decreased dramatically from 3.14% as of March 31, 2013 to 1.95% as of March 31, 2014, resulting in a positive change of 38.00%.This indicates that the balance sheet and financial strength for Western Cooperative Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Western Cooperative Credit Union has increased its total deposits by $19.13 million, resulting in 6.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Western Cooperative Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Western Cooperative Credit Union has $333.21 million in assets with $29.98 million in equity, resulting in a capitalization level of 9.00%, which is average.

Institution Statistics

NCUA #61758
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$333.21 million
Loans$167.13 million
Deposits$306.28 million
Equity Capital$28.43 million
Loan Loss Allowance$1.55 million
Unbacked Noncurrent Loans$584,000
Real Estate Owned$0
Historic Data - March 2013
Assets$318.33 million
Equity Capital$27.15 million
Loan Loss Allowance$1.14 million
Unbacked Noncurrent Loans$584,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.2%
Return on Assets0.85%
Return on Equity9.98%
Interest Income$2.39 million
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Western Cooperative Credit Union Savings Account Rates

0.25%--Pee Wee and CU Succeed
0.20%--IRA Share
0.20%--Coverdell Education Savings Account
0.20%--Roth IRA Share
0.05%$300-Share Savings
0.05%$300-Flexible Shares
0.05%$5k$100kFirst Freedom

Western Cooperative Credit Union Locations
Branch Office701 Main StHebron, ND 58638
Branch Office1300 Bison DrWilliston, ND 58801-3770
Branch Office215 Washington AVeWilliston, ND 58801
Branch Office290 15th St WDickinson, ND 58601
Branch Office414 E South AveGlen Ullin, ND 58631-7159
Branch Office10 Main StRay, ND 58849
Branch OfficePO Box 366Beach, ND 58621-0366
Branch Office721 State AveDickinson, ND 58601