Overview / Commentary
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 750th largest credit union in the nation. It was established in 1938 and as of March of 2025, it had grown to 91 employees and 18,204 members at 8 locations. Western Cooperative Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership in Western Cooperative Credit Union is open to North Dakota residents who live within a 75-mile of the North Dakota communities of Beach, Ray, or Williston, or within a 50-mile radius of the North Dakota communities of Dickinson, Glen Ullin, or Hebron.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61758 |
| Year Chartered | 1938 |
| Employees | 91 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.03% |
| Return on Equity - YTD | 9.43% |
| Annual Interest Income | $4.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $500MM$449.4MM |
| Loans | Q1 2025vs Q1 2024 | $228.6MM$233.5MM |
| Deposits | Q1 2025vs Q1 2024 | $443.9MM$403.5MM |
| Equity Capital | Q1 2025vs Q1 2024 | $53.4MM$42.3MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $4.4MM$4.3MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $7.8MM$662K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $275K$0 |