Credit union · NCUA insured
WES Credit Union
A $14.4M credit union headquartered in Willoughby, OH, with 1,510 members and 1 branch in Ohio. Best rates: savings 0.05% APY.
WES Credit Union Carrot Score
65
Carrot Score
Higher than 15% of U.S. banks and credit unions
#46 of 60 in Cleveland, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WES Credit Union
WES Credit Union is based in Willoughby, Ohio, and received a state charter in 1954.
- Headquarters
- 38024 2nd St, Willoughby, OH 44094-6105
- NCUA charter
- 61233
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of WES Credit Union are eligible for membership.
Military, government and schools
- Employees of the Willoughby-Eastlake libraries are eligible for membership.
- Active and retired employees of the Willoughby-Eastlake Schools are eligible for membership.
Family and household
- Immediate family members (parents, spouses, children, siblings, grandchildren) and household members residing with an eligible member/employee are eligible for membership.
- Surviving spouses of eligible employees are eligible for membership, regardless of whether the employee was a member.
Other ways
- Membership is open to groups of persons who share a common bond of association pursuant to Section 1733.05 Ohio Revised Code.
Cost to join
- Membership requires completing an application and a minimum deposit of $5.00 in a share (savings) account.
Branches
1 branch in Ohio
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Ohio
1 branch
- Main OfficeMain office38024 2nd St, Willoughby, OH 44094Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.20% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.89% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.10% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $24 | $59 | — |
- CapitalNet worth ratio10.20%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.89%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.10%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$24Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of WES Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.