West Community
West Community is a credit union based in O Fallon, Missouri, established in 1936, with $499 million in total assets serving 32,303 members. By Trust Grade it ranks 64th of 89 credit unions we track in Missouri. Its net worth ratio of 8.6% trails most similarly sized credit unions (10th percentile), versus a Missouri median of 11.4%. It was profitable over the most recent period, with a 0.83% return on assets. No consumer complaints against West Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How West Community compares to Missouri peers
How we graded West Community
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.6% capital ratio)
- Profitable (ROA 0.83%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for West Community over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at West Community insured?
Yes. West Community 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.
West Community: frequently asked questions
Is West Community a good credit union?
West Community earns a Bankzia Trust Grade of B (84/100, "Strong"), based on a financial-strength score of 84/100 (it has no CFPB complaints on record). Well-capitalized (8.6% capital ratio); Profitable (ROA 0.83%).
Is West Community NCUA-insured?
Yes. West Community 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 West Community?
West Community holds $499 million in total assets, ranking 64th of 89 credit unions we track in Missouri. It serves 32,303 members.
Does West Community have CFPB complaints?
No CFPB complaints against West Community 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.
