WESTERN COOPERATIVE Credit Union Profile

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WESTERN COOPERATIVE

Charter #61758 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (701) 572-4000

Fax: (701) 572-5897

Founding Date: N/A

Website: http://www.wccu.org

Personnel & Operations

President: Novak, Larry

Manager: Maddison, Justin

FT Employees: 92

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 8

Hours: Mon - Fri 7:30 - 5:30 Sat - 8:30 - 12:30

Credit Union Profile Summary

WESTERN COOPERATIVE is a FISCU Credit Union. With a total of 18,234 members [1], this institution manages approximately $493,413,865 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.61% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.18% [1].

Financial Snapshot

Total Assets [1]
$493,413,865

Total economic resources.

Total Loans [1]
$234,632,247

Total value of outstanding loans.

Total Deposits [1]
$433,300,767

Total funds deposited by members.

Members [1]
18,234

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.61%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.27%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
54.15%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
9.58%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-4.18%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-0.25%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1300 Bison Dr

Williston, ND, 58801-3770

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 9 branches reported by WESTERN COOPERATIVE (Charter #61758).

Main Office

Western Cooperative Credit Union Main Office

Type: Corporate Office

1300 Bison Dr

Williston, ND 58801-3770

Phone: (701) 572-4000

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Beach

Western Cooperative Credit Union

Type: Branch Office

PO Box 366

Beach, ND 58621-0366

Phone: (701) 872-2228

Services: Member Services, ATM, Drive-Thru

Open in Directions

Dickinson

Western Cooperative Credit Union

Type: Branch Office

290 15th St W

Dickinson, ND 58601

Phone: (701) 227-0188

Services: Member Services, ATM, Drive-Thru

Open in Directions

Western Cooperative Credit Union

Type: Branch Office

721 State Ave

Dickinson, ND 58601

Phone: (701) 227-0188

Services: Member Services, ATM, Drive-Thru

Open in Directions

Glen Ullin

Western Cooperative Credit Union

Type: Branch Office

107 S Main St

Glen Ullin, ND 58631

Phone: (701) 348-3832

Services: Member Services

Open in Directions

Hebron

Western Cooperative Credit Union

Type: Branch Office

701 Main St

Hebron, ND 58638

Phone: (701) 878-4063

Services: Member Services

Open in Directions

Ray

Western Cooperative Credit Union

Type: Branch Office

24 Railroad Ave

10 Main St

Ray, ND 58849

Phone: (701) 568-3663

Services: Member Services

Open in Directions

Tioga

Western Cooperative Credit Union

Type: Branch Office

6714 Highway 40

Tioga, ND 58852-9256

Phone: (701) 664-2666

Services: Member Services, ATM

Open in Directions

Williston

Western Cooperative Credit Union

Type: Branch Office

215 Washington AVe

Williston, ND 58801

Phone: (701) 572-4000

Services: Member Services, ATM, Drive-Thru

Open in Directions