Sep, 30, 2025 — WESTERN COOPERATIVE CREDIT UNION is a federally insured state chartered credit union headquartered in WILLISTON, ND with 8 branch locations and about $497.80 million in total assets. Opened 88 years ago in 1938, WESTERN COOPERATIVE CREDIT UNION has about 18,219 members and employs 102 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WESTERN COOPERATIVE CREDIT UNION |
|---|---|
| Address: (Main Office) | 1300 Bison Dr WILLISTON, ND 58801-3770 |
| Phone: | (701) 572-4000 |
| Fax: | (701) 572-5897 |
| Website: | https://www.wccu.org |
| Branches: | 8 branch locations |
| Members: | 18,219 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61758 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1938 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $497,796,023 |
| CEO/Manager: | Justin Maddison |
| Chairperson: | Larry Novak |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 54,873,621 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 1,052,975 |
| Real Estate Loans | 88,307,722 |
| Unsecured Loans | 2,266,479 |
| Other Loans | 147,367,523 |
| TOTAL LOANS | 237,941,724 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -4,549,975 |
| Land And Building | 6,630,649 |
| Other Fixed Assets | 492,820 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,538,541 |
| All Other Assets | 486,065 |
| TOTAL ASSETS | 497,796,023 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 549,723 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,977,749 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 128,943,516 |
| Regular shares | 139,824,608 |
| All Other Shares & Deposits | 165,725,845 |
| TOTAL SHARES & DEPOSITS | 434,493,969 |
| TOTAL LIABILITIES | 438,021,441 |
| Regular Reserve | 0 |
| Other Reserves | -9,179,660 |
| Undivided Earnings | 68,954,242 |
| TOTAL EQUITY | 59,774,582 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 497,796,023 |
| INCOME & EXPENSE | |
| Loan Income | 10,195,685 |
| Investment Income | 5,713,870 |
| Other Income | 544,611 |
| Total Employee Compensation & Benefits | 6,041,645 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,805,663 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 300,000 |
| Cost of Funds | 2,620,227 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,914,314 |
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