Sep, 30, 2025 — WEST COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in O FALLON, MO with 10 branch locations and about $491.11 million in total assets. Opened 90 years ago in 1936, WEST COMMUNITY CREDIT UNION has about 32,415 members and employs 117 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WEST COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 4161 Highway K O FALLON, MO 63368-8294 |
| Phone: | (636) 720-2400 |
| Fax: | (636) 720-2490 |
| Website: | https://www.westcommunitycu.org |
| Branches: | 10 branch locations |
| Members: | 32,415 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 62801 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $491,109,871 |
| CEO/Manager: | Jason A Peach |
| Chairperson: | Michael Murphy |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 19,643,483 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 244,927,301 |
| Unsecured Loans | 26,192,153 |
| Other Loans | 134,232,260 |
| TOTAL LOANS | 405,351,715 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,144,660 |
| Land And Building | 17,476,215 |
| Other Fixed Assets | 1,655,278 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,715,689 |
| All Other Assets | 0 |
| TOTAL ASSETS | 491,109,871 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 729,941 |
| Notes & Interest Payable | 25,000,000 |
| Accounts Payable & Other Liabilities | 8,445,911 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 90,820,419 |
| Regular shares | 113,518,032 |
| All Other Shares & Deposits | 212,312,721 |
| TOTAL SHARES & DEPOSITS | 416,651,172 |
| TOTAL LIABILITIES | 450,827,024 |
| Regular Reserve | 0 |
| Other Reserves | 2,076,552 |
| Undivided Earnings | 38,206,295 |
| TOTAL EQUITY | 40,282,847 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 491,109,871 |
| INCOME & EXPENSE | |
| Loan Income | 20,892,887 |
| Investment Income | 1,497,013 |
| Other Income | 3,136,943 |
| Total Employee Compensation & Benefits | 8,370,987 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 7,779,260 |
| Non-operating Income & (Expense) | 120,434 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 3,051,505 |
| Cost of Funds | 6,580,668 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,832,605 |
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