🏦Bank Scorer

WEST COMMUNITY

O Fallon, MO · State Credit Union · Chartered in MO

Well Capitalized

Who can join

Type 99

Charter #62801Est. 1936RSSD: 680194

Members

32,303

Net Worth Ratio

8.60%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$498.8M

Peer Group 5

Members

32,303

as of latest quarter

Net Worth Ratio

8.60%

Well Capitalized

Institution Profile

NCUA

Address

4161 Highway K, O Fallon, MO 63368-8294

Chartered

1936

Branch Locations

10 locations

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$498.8M

Total Shares

$422.1M

Total Loans

$409.4M

Net Income

$1.0M

Net Worth Ratio

8.60%

≥7% = Well Capitalized

Members

32,303

Return on Assets

0.21%

annualized · >0.5% healthy

Delinquency Rate (60d+)

0.77%

$3.1M

Loan-to-share ratio: 97.0%· healthy range 60–80%

Branch Locations

NCUA

O'Fallon

4161 Highway K, O Fallon, MO, 63368-8294

Lobby:MTTh 9:00 am - 5:00 pmW 10:00 am - 5:00 pmF 9:00 am - 6:00 pmS 9:00 am - 12:00 pmDrive Thru:MTThF 8:00 am - 6:00pmW 10:00am - 6:00pmS 8:00am - 12:00pm

MainATMDrive-thru

Brentwood

2345 S Brentwood Blvd, Saint Louis, MO, 63144-2033

Lobby: MTTh 9:00 am - 5:00 pm W 10:00 am - 5:00 pm F 9:00 am - 6:00 pm S 9:00 am - 12:00 pm Drive Thru: MTThF 8:00 am - 6:00pmW 10:00am - 6:00pmS 8:00am - 12:00pm

ATMDrive-thru

Kirkwood

465 S Kirkwood Rd, Saint Louis, MO, 63122-6119

Lobby: MTTh 9:00 am - 5:00 pm W 10:00 am - 5:00 pm F 9:00 am - 6:00 pm S 9:00 am - 12:00 pm

ATM

Tigers Community Credit Union

308 S 9th St Ste 114, Columbia, MO, 65201-5161

Mon-Fri 10am - 5pm

ATM

Tigers Community Credit Union

3310 Bluff Creek Dr Ste 101, Columbia, MO, 65201

Mon, Tues, Thurs 9:00 - 5:00Wed, 10:00 - 5:00Fri 9:00 - 6:00Sat 9:00 - Noon

ATMDrive-thru

Lake St. Louis

101 Pond Fort Trl, Lake St Louis, MO, 63367-4022

Mon, Tues Thurs 9:00am to 5:00pmWed 10:00am to 5:00pmFri 9:00am to 6:00pmSat 9:00am to Noon

ATMDrive-thru

Florissant

18 Mullanphy Garden Shopping Ctr, Florissant, MO, 63031-3412

Mon, Tues, Thurs, 8:00am - 5:00pmWed. 10:00am - 5:00pmFri 8:00am - 6:00pmSat.9:00am - Noon

ATMDrive-thru

RAY Building

1222 Spruce St Rm 10.209, Saint Louis, MO, 63103-2831

Mon, Tues, Thur, Fri 8:00am - 4:00pmWed 10:00am - 4:00pm

ATM

St. Peters

7900 Mexico Rd, Saint Peters, MO, 63376

MTR 9am-5pm, W 10am-5pm, F 9am-6pm, Sa 9am-Noon

ATMDrive-thru

Tigers Community Credit Union

4401 Smith Dr, Columbia, MO, 65203-0384

MTR 9am-5pm, W 10am-5pm, F 9am-6pm, Sa 9am-noon

ATMDrive-thru

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.