Western Cooperative
Western Cooperative is a credit union based in Williston, North Dakota, established in 1938, with $522 million in total assets serving 18,228 members. By Trust Grade it ranks 8th of 29 credit unions we track in North Dakota. Its net worth ratio of 13.9% is stronger than 80% of similarly sized credit unions, versus a North Dakota median of 13.4%. It was profitable over the most recent period, with a 1.40% return on assets. No consumer complaints against Western Cooperative appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Western Cooperative compares to North Dakota peers
How we graded Western Cooperative
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.9% capital ratio)
- Strongly profitable (ROA 1.40%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Western Cooperative over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Western Cooperative insured?
Yes. Western Cooperative is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Western Cooperative: frequently asked questions
Is Western Cooperative a good credit union?
Western Cooperative earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.9% capital ratio); Strongly profitable (ROA 1.40%).
Is Western Cooperative NCUA-insured?
Yes. Western Cooperative is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Western Cooperative?
Western Cooperative holds $522 million in total assets, ranking 8th of 29 credit unions we track in North Dakota. It serves 18,228 members.
Does Western Cooperative have CFPB complaints?
No CFPB complaints against Western Cooperative appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
