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The Lender Report built this page from public records. Westby Co-Op Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Westby Co-Op Credit Union itself. Each figure shows its source and date. Work at Westby Co-Op Credit Union? You can claim this page for free.
Credit union, Westby, WI
Westby Co-Op Credit Union
A credit union based in Westby, WI. Its commercial book is led by owner-occupied CRE and farmland. Public files show recent multifamily, 1-4 unit investor, SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $339M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 238
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 1
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.02B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 608-634-3118 From the NCUA record, June 30, 2026.
- Website
- www.wccu.coopFrom the NCUA record, November 9, 2026.
- Commercial lending page
- wccu.coopFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- WESTBY CO-OP; Westby Co-op CUNCUA 5300,
- Address
- P O Box 70, Westby, WI 54667NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Westby Co-Op Credit Union's Non-owner-occupied CRE balance rose 10.2% to $35.7M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Farmland balance rose 2.0% to $120M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 25.8% to $35.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Sauk County, WI | Purchase, 25 to 49 units | $800K | 7.75% | 3 yr | 60% | HMDA 2025 |
| 2025 | Grant County, WI | Purchase, 5 to 24 units | $580K | 7.67% | 3 yr | 77% | HMDA 2025 |
| 2025 | Juneau County, WI | Purchase, 25 to 49 units | $220K | 6.96% | 5 yr | 37% | HMDA 2025 |
| Sep 2025 | Wisconsin | SBA 504, Other Services (except Public Administration) | $560K | 25 yr | SBA FOIA | ||
| 2024 | Sauk County, WI | Purchase, 5 to 24 units | $280K | 8% | 5 yr | 80% | HMDA 2024 |
| 2024 | Richland County, WI | Refinance, 5 to 24 units | $200K | 8% | 5 yr | 46% | HMDA 2024 |
| 2024 | Richland County, WI | Refinance, 5 to 24 units | $180K | 8.25% | 5 yr | HMDA 2024 | |
| 3 multifamily loans made in 2025 | $1.60M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $22.0M | 3.1% | +1.8% | 81 | $272K |
| Construction and land development | $5.44M | 0.8% | -31.6% | 22 | $247K |
| Owner-occupied CRE | $126M | 17.8% | -1.0% | 352 | $357K |
| Non-owner-occupied CRE | $35.7M | 5.1% | +25.8% | 98 | $365K |
| Farmland | $120M | 17.0% | +2.0% | 559 | $215K |
| Commercial and industrial | $30.1M | 4.3% | -5.8% | 540 | $55.7K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $339M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $314M |
| Q4 2023 | $321M |
| Q1 2024 | $321M |
| Q2 2024 | $325M |
| Q3 2024 | $326M |
| Q4 2024 | $326M |
| Q1 2025 | $329M |
| Q2 2025 | $335M |
| Q3 2025 | $329M |
| Q4 2025 | $334M |
| Q1 2026 | $343M |
| Q2 2026 | $339M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 3 | $1.60M | $580K | $800K | HMDA, |
| Multifamily, 5 or more units | 2024 | 3 | $660K | $200K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 47 | $8.73M | $135K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $560K | $560K | $560K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 238 | $63.3M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 10 | $2.25M | NCUA 5300, | ||
| Construction | First half of 2026 | 9 | $2.39M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 65 | $19.2M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 23 | $8.66M | NCUA 5300, | ||
| C&I | First half of 2026 | 134 | $12.8M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its name and state. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $247K |
| Multifamily | $272K |
| Owner-occupied CRE | $357K |
| Non-owner-occupied CRE | $365K |
| Farmland | $215K |
| Commercial and industrial | $55.7K |
Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Wisconsin HQ | 12 | 3 | 47 | 0 | 1 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $125M | $35.2M to $135M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $350M | $14.8M to $302M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 279.4% | 42.1% to 223.4% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $24.0M | $4.39M to $17.4M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 39.5% | 21.2% to 55.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 68.9% | 69.2% to 83.2% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Heartland Credit Union | WI | $667M | $60.7M |
| Co-Op Credit Union | WI | $627M | $74.5M |
| Kohler Credit Union | WI | $776M | $67.9M |
| Superior Choice Credit Union | WI | $730M | $44.2M |
| Park City Credit Union | WI | $397M | $31.1M |
| Community 1st Credit Union | IA | $1.10B | $243M |
| 1st Community Credit Union | WI | $288M | $13.2M |
| Unitedone Credit Union | WI | $348M | $41.1M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Westby Co-Op Credit Union, NCUA charter 67208. Compare it with the regulator's record. [NCUA profile]
- Balances. $1.02B in total assets and $339M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 238 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 54 loans in HMDA and SBA files, through September 30, 2026: 3 HMDA multifamily 2025, 3 HMDA multifamily 2024, 47 HMDA 1-4 unit investor 2025, 1 SBA 504 first lien in 36 months. [How each file was tied to Westby Co-Op Credit Union]
- Phone and website. Phone 608-634-3118, from the NCUA record. Website wccu.coop, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 67208
- RSSD
- 142692
- LEI
- 894500PCG3NCYFXK0D60
- The Lender Report ID
- lr_001518
- Main office county
- Vernon
- Members
- 42,030
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $1B in total assets as of June 30, 2026 (NCUA 5300).
- Held $339M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $125.7M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $120M of farmland loans as of June 30, 2026, up 2.0% from a year earlier (NCUA 5300).
- Held $35.7M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 25.8% from a year earlier (NCUA 5300).
- Originated 3 multifamily loans totaling $1.6M in 2025 (HMDA).
6 more sentences
- Originated 3 multifamily loans totaling $660K in 2024 (HMDA).
- Originated 47 1-4 unit investor or business-purpose loans totaling $8.7M in 2025 (HMDA).
- Provided the first lien on 1 SBA 504 project with $560K in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 238 real-estate-secured commercial loans totaling $63.3M in the first half of 2026 (NCUA 5300).
- Held $12.2M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 12 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Westby Co-Op Credit Union, https://lender.report/lender/westby-co-op-credit-union-wi/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Westby Co-Op Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem