# WESCOM CENTRAL
PASADENA, CA · NCUA charter 66703 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wescom-central-66703

Who the members are: state charter, organized 1934. 263,628 members of 28,327,232 potential (0.9% of the field); checking penetration 87% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *ordinary*. 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 | $6.47B |
| Members | 263,628 (3.4% YoY) |
| Full-time staff | 904 |
| Net worth | $510.0M |
| Net worth ratio | 7.9% (p2 of band) |
| ROA (annualized) | 0.23% (p12 of band) |
| Total delinquency | 0.37% (p23 of band) |
| Net charge-offs (annualized) | 0.39% (p34 of band) |
| Loans / shares | 79% (p30 of band) |
| Cash / assets | 3.4% |
| Borrowings / assets | 23.30% |
| Net interest margin | 3.03% (p31 of band) |
| Operating expense / assets | 3.67% (p75 of band) |
| Vehicles % of loans | 13% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 4% |
| Third-party paper % of net worth | 4% (p11 of band) |
| Vehicle delinquency | 0.26% (p15 of band) |
| Vehicle NCO | 0.49% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 14% |
| Average share balance | $7,066 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $20.2M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 102% |
| Average loan balance | $23,086 |
| Loans granted, annualized | $1.03B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $20.2M outstanding purchased (4.0% of net worth), $207,058 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -4.7% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, leaning on borrowings |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | expense trap | leaning on borrowings |
| 2017-03 | 2 | leaning on borrowings | expense trap |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | expense trap | leaning on borrowings |
| 2018-03 | 2 | leaning on borrowings | expense trap |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 | expense trap | thin capital, leaning on borrowings |
| 2019-03 | 2 | thin capital, leaning on borrowings | expense trap |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | thin capital, leaning on borrowings |
| 2020-03 | 2 | thin capital, leaning on borrowings |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | margin squeeze, loan book shrinking | leaning on borrowings, net worth falling |
| 2021-03 | 2 |  | loan book shrinking |
| 2021-06 | 4 | net worth falling, leaning on borrowings |  |
| 2021-09 | 3 |  | margin squeeze |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 4 | net worth falling |  |
| 2024-09 | 3 |  | net worth falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | net worth falling, delinquency rising |  |

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

- 2026-07-29 [Wescom Central Credit Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFBFamdhaEQ2bTk4clhQOThSelFiSU9mclJHMHhKRGxUQktqV05PN0xwcEdSVkF2R0V0RVU1bURWc05HcUZIZjU0WHdnSWl6Wm1GTmp0ajVNZHZjaFA3UnpMM2NhTG5JM3F2bWpxVWE2U192bHR5OHhxWg?oc=5) · reveliolabs.com
- 2025-12-08 [Wescom Central Credit Union Data Breach Settlement - Claim Depot](https://news.google.com/rss/articles/CBMickFVX3lxTE5GY3hqXzFORTRma2VNZklTcFBHOUtabVFNVTBvamktX0JTTmVRTXJKZENrUkpTTXoyX0hnVnIxdkItdUFSTEYyWUl6NWZpNWFlZmtwVDdkTEMtbC1ydGtsUlJnZ0JqTktsYjd1MWFla19aUQ?oc=5) · Claim Depot
- 2023-09-04 [Wescom, Central Coast to Merge - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMia0FVX3lxTE9WVm9adkREbUxIcUYxZVZuTW9OcThaQkpud2RCdnlQLVlNWTU3WnBNeWI0MTBRM1R1VHRqLURNSVVZbFdXWEZWTjRjYXg4bW0ySmx4QW1nVkxZa3M4NW83VHBlUzNxT1YtRU04?oc=5) · Los Angeles Business Journal
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbG82S28tWDRWcmVTSGtHM1A2ZDRvTjlrTUJGLUxudnBZSlZwNG5uSk12eFQ1M09ULTYtTFVaU3FJeFlEam53MHZqSDV5ZDRTUk9zRUJEVHBBbzVpRUxnV2s0VXFkc0lzZUxXS1A0YWZHaVMyNXE3Wm5RdG1qX2dBclE0cE5TaDZibmpuVkpiM3diUQ?oc=5) · Newsweek Rankings
- 2023-10-05 [Credit Unions Are Making Money Off People Living Paycheck to Paycheck - Politico](https://news.google.com/rss/articles/CBMikAFBVV95cUxQUm5kMGV1dE9US1FlRGJ3dUhWWGxZamlKWTFGSm1qMDZ3dkFMeExjdlZfNGtUQ3NfdHVkSEE4bVZka2N0MXFNd1VoWUdZbXRTT0RjY3JtR1FzaEsweHFXUjhRd3EwMFlIRFVBTVFjRTRqY2pwNHhsRkVtZmVrMGpOWVN3UjVUVW5OTmVTcjhLVmU?oc=5) · Politico
- 2024-03-19 [Bank Customer Advances Barracuda Networks Data Breach Suit - Bloomberg Law News](https://news.google.com/rss/articles/CBMioAFBVV95cUxPOERqSVlHRTF4Wl9xaVIwbUJpSER4eGI5RFktMEpoaENqSTJPbzlWaHlkOVRGSUNIU1FfTVlUVGY0Y09ybC1TT3lwWlp2SFRpcUVwRHl3a0FoTHZ6YlU5MkpaS0RqaEJ1TV9tYTF6cWtCREl5Z0VYZnJMb19NQzRfZU5BZGdiQm5vSE1hY0dNd1BaeHpzMHVHampNeHplX2Vo?oc=5) · Bloomberg Law News
- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2025-04-08 [Best Banks and Credit Unions in California 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxONWFxRkExWV9IblE1OXl5eFotT1dhMHZRdHpzc1dWU1JvUGI2dF9YNXMtcmZGdE5JUkU3eTh4aWgxT2lIWDlTcUpfdGpSUUY2c251amFFX2VrVUstYVVZbzhwdndHS3JONjM5WlF2MDNNMXVvQ3Q4dlJJN19jMmFEMy1Rc1VtMm5ua0o5UnQ4RUJFZw?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66703 (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/15.json (key "66703", 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=66703
- 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