# WEST COMMUNITY
O Fallon, MO · NCUA charter 62801 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/west-community-62801

Who the members are: state charter, organized 1936. 32,303 members of 1,709,975 potential (1.9% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $498.8M |
| Members | 32,303 (-0.5% YoY) |
| Full-time staff | 119 |
| Net worth | $42.9M |
| Net worth ratio | 8.6% (p9 of band) |
| ROA (annualized) | 0.83% (p61 of band) |
| Total delinquency | 1.04% (p80 of band) |
| Net charge-offs (annualized) | 0.47% (p59 of band) |
| Loans / shares | 97% (p97 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 5.01% |
| Net interest margin | 4.49% (p93 of band) |
| Operating expense / assets | 4.53% (p84 of band) |
| Vehicles % of loans | 31% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 57% |
| Third-party paper % of net worth | 177% (p76 of band) |
| Vehicle delinquency | 2.23% (p96 of band) |
| Vehicle NCO | 1.32% (p80 of band) |
| Repossessed % of vehicle book | 0.07% (p66 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 55% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 26% |
| Average share balance | $6,945 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $6.1M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $20,876 |
| Loans granted, annualized | $115.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $6.1M outstanding purchased (14.2% of net worth), $8.0M sold and retained. Sold in 1 and bought in 2 of the last 8 quarters. Shares 2.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, expense trap |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | loans>95% of shares |  |
| 2017-03 | 5 | net worth falling, 3rd-party paper>100% NW |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 |  | net worth falling |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 6 | net worth falling, leaning on borrowings |  |
| 2018-09 | 6 |  |  |
| 2018-12 | 5 |  | net worth falling |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 6 | net worth falling |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 6 |  |  |
| 2020-06 | 6 |  |  |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 6 | delinquency 2x band |  |
| 2022-03 | 6 |  |  |
| 2022-06 | 8 | net worth falling, delinquency rising |  |
| 2022-09 | 6 |  | delinquency 2x band, delinquency rising |
| 2022-12 | 6 |  |  |
| 2023-03 | 4 |  | expense trap, net worth falling |
| 2023-06 | 5 | expense trap |  |
| 2023-09 | 4 |  | expense trap |
| 2023-12 | 6 | delinquency 2x band, delinquency rising |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 5 |  | delinquency rising |
| 2025-03 | 5 |  |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 4 |  | delinquency 2x band |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2026-04-07 [Two Missouri Credit Unions complete legal merger, expanding member value and community impact - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxPbDlDT1VoUmJzRXpEQVUtUDY4VGJpRGVJYW51Vks5c1h3aWFGRUdZdEJxZVdpcEhjOVljU0ZDWjRmNzBSMWFSaFhyLU40cEdzcXdzQ21SRHJ2OVVjTEZaV1U2RkYwRFJvNXFzX1JWVlJ4R0x6QXpuZW1MZTBYd0t4dFJqR3JmU0RWbTdKc0l1MlZHelVERVdGMVB4eEZWNUNYWUdTMngtSF8zZGU1MHhwM0Y3RlRtc1dMY2FGbnI3UFJFZXpvV3RTZ3pLaG85Zw?oc=5) · CUInsight
- 2026-04-06 [Two St. Louis credit unions merge to create $670M institution serving 43K members - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQc1l6bk9iV2lGOUE3UWp5R1UwMFlFejNFVWQ1RXdOVjZheHI1NUhoaTRwZm5BdV9mOGxOTFBuemdMYnp0ek95Nl9VZHI0VGNlY2hUVWJ5aV9TRW9XSVFuT0l4UXgxX1puUjYzZC1ub3E5cEdQQWhJdEJ6N0NiN0xDVGdsMnMzamI1Q1Y0ck1HMndDNnFwYmRqelVZcWg1Sk5QR2Ixb2ZfSTZwUQ?oc=5) · The Business Journals
- 2026-04-17 [Credit Union Mergers Move Forward in Missouri and Massachusetts - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPX210TXNIMnJqNFhvVTNNRENPcFhTdDZVVVV4QUlheldpVXBYQUttTW4yVFl2dVRmUno4TnhjSGZ5R2o2aE1VQjY5X05KXzJuSjdEamhmVmtva2lnS0VtOXEyOEhkV29TRExsTklJaHc1YUFBdlE4OTdYNjIzUWNDWlpSOUp6U3pYV0xBOTBiaGF6SGlxMTl0Q1dIYWVRU3F3?oc=5) · CUTimes
- 2025-11-17 [Two Missouri Credit Unions unite in strategic merger for a stronger future - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbHpUcVN5R3NpbXBrS1JreWJCWXFSX3E0SWVHWktZUURPc3RLRHc4Zk5lbTRYUk9LeG80cUctRF9wcUxvckxTVGhLUW43ZnR5aXBaenVOMGR2OHdmLVdKZUo4WDJnTWhDeVNBSVdoUmlTcWE5YzZlRUsxc0hkbVFqeGp0Wk0wS2FRSkk1MmlWdHRVOWhhREVYazJkWE41WjE3YkhMZHF3N3RibGlxb1l4UUlDZkRnUQ?oc=5) · CUInsight
- 2025-11-24 [St. Louis credit unions plan merger to create $700M institution amid rising costs - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZmlhRzdzUDVTTmhWX1pOSU1KU0d4akRYVzBiM1VIajRjZWFoRm53ajBUYXNTUm4zbkItQmhnc0ZUeGRPdWdiSTc2LW5ENFFzVTMyeDBLdWR3MUJsM3FIS3hzM01JWW9UTkZJUTVMMjRpLVZEcjB0YVlTWmladGhHbzZubmNrRXRGdWJkcWxWSk5wUzNmdnY2ZndWb1NKQWFKaG1UdV9NQVpldw?oc=5) · The Business Journals
- 2025-10-24 [West Community Credit Union welcomes Brock Martin as director of fraud and financial crimes - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxQZzV5QzhCcFphYUpRb204c1VweFg0ZUdXaEtKNUNhWUNpWC1FMmVEV2lfbUpWRE5HNk4xYkhsWTl1UW9TX0NEQTBwMlE4VmVPbWN2YTBRcTdDYy01R3VwdkxHMzc2TUsxamtLS19icUM2cEt4OHdOaEpuamFZMU9GcVpvRTVXelhLUDRBZUtmQ0o4eVN3NVBVQlhtNkVYYTdnWXlLMDcxNnVxVlhnSlR4ZkZLbVVwSElwdkRRdVRPMXl1cU9FLW0tM19qYWU?oc=5) · CUInsight
- 2025-11-13 [West Community Credit Union promotes Lorene Meyer to Chief Strategy and Operations Officer - CUInsight](https://news.google.com/rss/articles/CBMiywFBVV95cUxQbWZ0R3hpb1JGUmxRQlBUaHlNczVkRXNuSHpnOF92WEc5RmVpRWFCS3g1MUtRTHhQMlphdVE4UDQzMTJxcXMxMDRkWG5xT2w4aWttcWM0azhkem1hb1ZHZG5CYXZQVG4wOFE2YjhDRW1rYlMtb3NrMjZrZXg3djJKb1RhMHVMQktHM3dyN0JaeFRXYWdEbG1xWUN3YjBaemtsa3RLUXFZSm5SN0VyRW5pZjFMZEJoZFV0aG5XS0s4dVI1RVkwdlRJaFJqRQ?oc=5) · CUInsight
- 2019-04-23 [Hard work pays off: Professionals on the move - americanbanker.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOT3ZyNmlzQkxQNkVxTExOalA1Y0JDSXl1UTFwcWZ3ajFOZlR6ZVZMU0JBMmh5RThHd0JCbTZ3aGdnX3ZmaE4zaWhEZlpzTkw4NEVNdzhUb0xTSjRrcnZCMk0tMkVnZ3VmUHZVMnVTOWV3WDB0Yll2N3hqVFl5TFFDQ0hzY1FjOTkxVDNtMTdCZDVJNG81cXhnYw?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62801 (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/17.json (key "62801", 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=62801
- 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