# WESTREET
Tulsa, OK · NCUA charter 24812 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/westreet-24812

Who the members are: federal charter, community charter, organized 1943, low-income designated. 60,922 members of 1,203,000 potential (5.1% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $968.1M |
| Members | 60,922 (5.0% YoY) |
| Full-time staff | 231 |
| Net worth | $93.8M |
| Net worth ratio | 9.7% (p38 of band) |
| ROA (annualized) | 0.27% (p21 of band) |
| Total delinquency | 1.37% (p92 of band) |
| Net charge-offs (annualized) | 0.73% (p77 of band) |
| Loans / shares | 84% (p58 of band) |
| Cash / assets | 8.0% |
| Borrowings / assets | 2.79% |
| Net interest margin | 3.42% (p45 of band) |
| Operating expense / assets | 3.90% (p66 of band) |
| Vehicles % of loans | 25% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 174% (p69 of band) |
| Vehicle delinquency | 1.51% (p90 of band) |
| Vehicle NCO | 1.54% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 210% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 35% |
| Average share balance | $7,812 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $65.9M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $26,155 |
| Loans granted, annualized | $173.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $65.9M outstanding purchased (70.3% of net worth), $8.3M sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 0.5% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | thin capital |
| 2017-12 | 2 | thin capital |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | net worth falling |
| 2018-12 | 1 |  | thin capital |
| 2019-03 | 3 | thin capital, delinquency rising |  |
| 2019-06 | 3 | net worth falling | delinquency rising |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 | members leaving | thin capital |
| 2020-03 | 3 | thin capital |  |
| 2020-06 | 2 |  | thin capital |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | members leaving |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | charge-offs p90 |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | net worth falling, delinquency rising |  |
| 2024-03 | 5 | delinquency 2x band, leaning on borrowings |  |
| 2024-06 | 5 | losing money | delinquency 2x band |
| 2024-09 | 5 | delinquency 2x band | leaning on borrowings |
| 2024-12 | 6 | assets shrinking |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 5 |  | net worth falling |
| 2025-09 | 3 |  | losing money, assets shrinking |
| 2025-12 | 2 |  | delinquency rising |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-22 [Donation drop off locations for 2025 holiday Toy Drive on Dec. 5 - KTUL](https://news.google.com/rss/articles/CBMigAJBVV95cUxPVjA1SkRKVGUtMGxlVkZTZThia0VNMmJidDRGRGNGZnF6QUVSa0htVUFUZF9zNEpxNm5fUTI1MUdIbml0MEpPdFhGREZkb003Qk9nZTY1U1JvbTE5NkR4X0swTjB4WjJ6UU8xanhGNHBhbE9VRy1lNGk0M3VkVmFDNHRmaHcyeUNYTkVBbmJnajBPR1U1UUdra2ZteE0wQWg0aTU1VFhTalNOYVI3VEdualNFd1Ewb05iN1MwNzRhTV93M1hCWl92VzFXNFNhUGlIdV9NMTFmb002QkxLNFZ2c3JRS29XZWpSamZOaU1ncHFLQ0t1RDNJSjRfTUlpUXRf?oc=5) · KTUL
- 2023-05-11 [Tulsa Federal Credit Union rebrands to WeStreet Credit Union - tulsaworld.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTjhhVzlPaUVGbks5WXZiRVVkVGZTbkNIX1lYdUpSTmZ5STl4VmZ1alhadi1fN0ZxNEhSLTlleTlqYUQ3dTJiZFZyc2pkVkhjcG93a3J6dXlzMVZuZ1RkaHZvdGk3QXJ4dkVSRmR0Mkh0NVJtLVR2dk9ucWhXQnBDd2JYaVdneDlDaW5DT29naFVQVTlzdFZV?oc=5) · tulsaworld.com
- 2024-08-26 [TTCU announces new Chief Financial Officer - CUInsight](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPTkRPWmNRaGpVVHd2akRpWXVyLXc1ZmVTdjBtSDNGZlNnejV0UG1pUEh5NE5UNzFzUWJmMmJhZE8zVzFoVVo5M0Z6RE1zUHlhNnVXMFA5M3VUWldidG13S3dFZEJ6VXpuRE85d2ltTm05SDI0TWp1NTY0Rk52MkhxMGhUV0JDQ0NMYzNV?oc=5) · CUInsight
- 2023-08-07 [Ice Rink Skates Around Construction Norms with Innovative Trusses - Engineering News-Record](https://news.google.com/rss/articles/CBMiogFBVV95cUxPOEFfQlk5N1A4VWJVWWs2dHhhd0s3NzNUdF9NUHhfcmRtZlYwd05xTFA5VUxReHNSejhrZGZvLWdrNnItTGdxbDdGaWRUeDRjN1VXODFEWmNKVDZXRHM1b3E1N3JETS1xQW5PLWlhSUpKZUtGMlpxaXNzMUN1ZjJCc0JnRXRhUm9PdGdodUJiV0lSazByZk5sWmFuTXI2TEQ5NFE?oc=5) · Engineering News-Record
- 2022-12-30 [Women CFOs in Banking and Finance - American Banker](https://news.google.com/rss/articles/CBMieEFVX3lxTFBXWmJ3d18tUTlQUVRtNVh2SG9yN1RHS3hXOEh2RjFqaFRQVUNmc1RyV1A1eXhrRWk0WjdRdWJxZ0xOYy1tcjJZY0ZMbFgyNU93bXljNmlyWHUyakNDeVN4RV96M2dTMm1ybVl2Zi00d3RURlJEekVfOA?oc=5) · American Banker
- 2024-12-15 [Top Workplaces 2024: Here's where businesses ranked on Oklahoma's list - The Oklahoman](https://news.google.com/rss/articles/CBMizAFBVV95cUxPZmh2YXJnT3VJSi0wRUNSR1hhdFlGMGhKcHliVWJPdlZBdDFFXzgtNDg5RnoweklhMThpTC1TOWEtQURQOW1FUzFCckVEWS1faUF1T3MyRF83UnAtdGtTZFhDRUlhMXlhTUtxazlnOGtrZ1FNcDVxMDhzR1Q5VG1lcG9YS1RGRDN2enliejE2YkJpZjVoX1FGYUVNQmxiSXVWY2dnYk80ai10ZEU1ZDEwbWJnS1JvU04xX2gyNFNDQ1cyX3ViZGRaWl9SUEI?oc=5) · The Oklahoman
- 2023-05-23 [Owasso Police Say Fake ID Suspects Likely Got Information From Employment Forms - News On 6](https://news.google.com/rss/articles/CBMizwFBVV95cUxNOUxlMWhfVGs4M2c4ZFBGcThLZTN2ZC1RbUV6elJNQzJxd0F6TTRzY3B0bFdTYjNFWjcxLS12VG5CZlM0amx0ZWZSLXd3N2xYc2tCVXBERDhpVS1xa2x4NTBQY0dlTFdlNlFwODFyWXJZRWM5VjBVak4ydER5cy1pd0dYZVV1ZmNoSDh3OENrVWRDRjVvSlpCOTZVVHRJU1Z5LTd1QlM3NVBndDJ0SnB4alZTN0FKSFEwZjZEREhuY2s0ZWZpcW91SjVyeTZhdDA?oc=5) · News On 6
- 2024-03-07 [Photos: See inside the new WeStreet Ice Center in former Macy's at Promenade mall - tulsaworld.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNTlpjUzhjOTZRb2txeEtrZkFrcXE5TkR2MzYydFh1ak9iZVBIemZPY19CcDRzUnNMemxDb3RaWGxLUnAyem1iVE53Qkk0V1R3UjN3MDQ4REtBRXR6b0ZNUEZ2LTR1VXN6U3FOaWJyc2UyeHNWNGRMRDlUTENvckt5cXNjR0RzMDJkcVQwUXM5WQ?oc=5) · tulsaworld.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24812 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/44.json (key "24812", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24812
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide