Credit union
West Community Credit Union
O Fallon, Missouri, St. Charles County, MO
$656M in total assets and 41,912 members, the 653rd largest of 4,298 US credit unions and 5th of 87 headquartered in Missouri.
- NCUA charter
- 62801
- Charter
- State chartered (MO)
- Chartered
- 1936
- NCUA insured since
- 1975
At a glance
Compared with 24 federally insured credit unions in Missouri with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $656M | 98% | $260M | |
| Loans | $514M | 98% | $145M | |
| Deposits (shares) | $585M | 98% | $221M | |
| Members | 41,912 | 92% | 17,510 | |
| Return on assets | 0.98% | 62% | 0.71% | |
| Net interest income to assets | 4.58% | 88% | 4.17% | |
| Efficiency ratio | 77.5% | 62% | 75.9% | |
| Net worth ratio | 8.21% | 4% | 11.48% | |
| Loans to shares | 88% | 62% | 81% | |
| Cost of deposits | 1.50% | 50% | 1.51% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 13.7% a year over 10 years and 13.1% a year over the last 5, including 3 mergers in the last 10 years. Membership grew 9.0% a year over 5 years, to 41,912.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Apr 2026 | Gateway Metro Federal Credit Union Credit union, Saint Louis, MO | $177M |
| Jan 2023 | Missouri Valley Federal Credit Union Credit union, Saint Peters, MO | $50M |
| Nov 2017 | Apex Financial Credit Union Credit union, Florissant, MO | $33M |
Where they operate
14 branches in 5 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| St. Louis County, MO | 5 | 1.3% | 25 of 83 |
| St. Charles County, MO | 4 | 2.9% | 12 of 44 |
| Boone County, MO | 3 | 4.1% | 5 of 30 |
| St. Clair County, IL | 1 | 1.1% | 21 of 35 |
| St. Louis (city) County, MO | 1 | 5.3% | 3 of 11 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 5 | |
| 2017 | 8 | +3 |
| 2018 | 8 | 0 |
| 2019 | 8 | 0 |
| 2020 | 8 | 0 |
| 2021 | 8 | 0 |
| 2022 | 8 | 0 |
| 2023 | 10 | +2 |
| 2024 | 10 | 0 |
| 2025 | 10 | 0 |
| Jun 2026 | 14 | +4 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.40% | 0.56% |
| Net worth ratio | 8.21% | 11.48% |
| Loans to shares | 88% | 81% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Missouri
Most branches in St. Louis County, MO
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.