B
Western Division Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
13.92
Leverage
Ratio
13.92
Return On
Assets
1.50%
Total
Assets
216.33M
Capital
30.12M
Total
Deposits
181.77M
Net
Income
1.59M
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Weiss Ratings Western Division Federal Credit Union
Williamsville, NY 		Click to
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Rating B
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 6.30
Stability Index 8.60
Company Info Western Division Federal Credit Union
Williamsville, NY 		Click to
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NCUA Charter Number 5065
Phone Number (716) 632-9328
Website www.westerndivision.org/
Asset Quality Western Division Federal Credit Union
Williamsville, NY 		Click to
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1-Year Asset Growth 5.00%
5-Year Asset Growth 8.42%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.20%
Non-Performing Assets to Assets 0.10%
Non-Performing Loans to Capital 0.69%
Non-Performing Loans to Loans 0.12%
Balance Sheet Western Division Federal Credit Union
Williamsville, NY 		Click to
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Total Assets 216.33M
Total Deposits 181.77M
Capital and Reserves Western Division Federal Credit Union
Williamsville, NY 		Click to
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Capital 30.12M
Leverage Ratio 13.92
Loan Loss Reserves to Loans 0.23%
Liquidity Western Division Federal Credit Union
Williamsville, NY 		Click to
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Hot Money Ratio 13.10%
Liquidity Ratio 13.00%
Profitability Western Division Federal Credit Union
Williamsville, NY 		Click to
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5-Year Return on Average Assets 0.63%
Net Income 1.59M
Net Interest Spread 3.87%
Operating Profit to Average Assets 1.68%
Overhead Efficiency Ratio 59.88%
Return on Assets 1.50%
Return on Equity 10.85%