WESTERN COOPERATIVE
State-Chartered • Williston, North Dakota • Est. 1938
Quick Facts
- Charter Number
- #61758
- Type
- State-Chartered
- Established
- 1938
- Headquarters
- Williston, North Dakota 58802-2237
- Address
- PO Box 2237
- Branches
- 8
- ATMs
- 6
- Members
- 18,169
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
18,169 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WESTERN COOPERATIVE |
|---|---|
| Total Assets | $501.1M |
| Members | 18,169 |
| Loans Outstanding | $233.4M |
| Shares & Deposits | $432.9M |
| Net Worth | $70.9M |
| Net Worth Ratio | 14.14% |
| Loan-to-Share Ratio | 53.9% |
| Delinquency Rate | 2.28% |
| Net Income | +$7,220,495 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
8 locations · 6 ATMs
Western Cooperative Credit Union
Main Office1300 Bison Dr
Williston, ND 58801-3770
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
Who Can Join WESTERN COOPERATIVE?
Membership Type: Community
Membership eligibility for WESTERN COOPERATIVE may vary. Contact the credit union directly to confirm qualification requirements.
Contact WESTERN COOPERATIVE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View North Dakota RankingsFrequently Asked Questions
Yes. WESTERN COOPERATIVE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, WESTERN COOPERATIVE has 18,169 members and a potential membership field of 173,607 people.
WESTERN COOPERATIVE's net worth ratio is 14.14% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.1%, WESTERN COOPERATIVE meets this threshold.
WESTERN COOPERATIVE operates 8 branch locations and has access to 6 ATMs. The main office is located at 1300 Bison Dr, Williston, ND 58801-3770.
WESTERN COOPERATIVE was established in 1938. It is a state-chartered credit union chartered under charter number 61758. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or WESTERN COOPERATIVE. All financial data is for informational purposes only.