Charter 61758 · Williston, ND
Western Cooperative Credit Union
Western Cooperative Credit Union is a state-chartered credit union in Williston, North Dakota, with $522 million in assets and 18,383 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.20%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $522 million
- +5.8% in a year
- Members
- 18,383
- +0.8% in a year
- Net worth ratio
- 14.20%
- Peer median 10.79%
- Loans 60+ days late
- 3.17%
- Peer median 0.67%
- Loans outstanding
- $238 million
- +1.5% in a year
- Shares and deposits
- $452 million
- +4.4% in a year
- Branches
- 8
- 100 employees
- Opened
- 1938
- North Dakota charter
How Western Cooperative Credit Union compares
NCUA groups credit unions by size; Western Cooperative Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 14.20% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 3.17%, is higher than the group median of 0.67%. Loans grew 1.5% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 4 of 29 credit unions headquartered in North Dakota. See all North Dakota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $522 million | 18,383 | $238 million | 14.20% | 3.17% |
| Q1 2026 | $522 million | 18,228 | $226 million | 13.94% | 2.33% |
| Q4 2025 | $501 million | 18,169 | $233 million | 14.14% | 2.28% |
| Q3 2025 | $498 million | 18,219 | $238 million | 13.85% | 2.30% |
| Q2 2025 | $493 million | 18,234 | $235 million | 13.61% | 3.12% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 173,607 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 8 sites for Western Cooperative Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Western Cooperative Credit Union (main office)
1300 Bison Dr, Williston, ND 58801 - Western Cooperative Credit Union
215 Washington Ave, Williston, ND 58801 - Western Cooperative Credit Union
290 15Th St W, Dickinson, ND 58601 - Western Cooperative Credit Union
721 State Ave, Dickinson, ND 58601 - Western Cooperative Credit Union
701 Main St, Hebron, ND 58638 - Western Cooperative Credit Union
60 2Nd St Ne, Beach, ND 58621 - Western Cooperative Credit Union
24 Railroad Ave Ste 14, Ray, ND 58849 - Western Cooperative Credit Union
6714 Highway 40, Tioga, ND 58852
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology