B
Western Division Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
14.32
Leverage
Ratio
14.32
Return On
Assets
1.53%
Total
Assets
216.24M
Capital
30.97M
Total
Deposits
179.80M
Net
Income
2.44M
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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 2.70
Profitability Index 7.80
Stability Index 6.30
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 4.13%
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 0.05%
Non-Performing Loans to Capital 0.33%
Non-Performing Loans to Loans 0.05%
Balance Sheet Western Division Federal Credit Union
Williamsville, NY 		Click to
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Total Assets 216.24M
Total Deposits 179.80M
Capital and Reserves Western Division Federal Credit Union
Williamsville, NY 		Click to
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Capital 30.97M
Leverage Ratio 14.32
Loan Loss Reserves to Loans 0.22%
Liquidity Western Division Federal Credit Union
Williamsville, NY 		Click to
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Hot Money Ratio 14.97%
Liquidity Ratio 14.18%
Profitability Western Division Federal Credit Union
Williamsville, NY 		Click to
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5-Year Return on Average Assets 0.63%
Net Income 2.44M
Net Interest Spread 3.97%
Operating Profit to Average Assets 1.70%
Overhead Efficiency Ratio 59.20%
Return on Assets 1.53%
Return on Equity 10.96%