Credit union · NCUA insured
Western Cooperative Credit Union
A $521.5M credit union headquartered in Williston, ND, with 18,228 members and 8 branches in North Dakota. Best rates: CDs 4.25% and savings 0.50% APY.
Western Cooperative Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#1 of 5 in Williston, ND metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Western Cooperative Credit Union
- Headquarters
- 1300 Bison Dr, Williston, ND 58801-3770
- NCUA charter
- 61758
Branches
8 branches in North Dakota
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North Dakota
8 branches
Williston area · 4
- Western Cooperative Credit UnionMain office1300 Bison Dr, Williston, ND 58801Directions
- Western Cooperative Credit Union24 Railroad Ave Ste 14, 10 Main St, Ray, ND 58849Directions
- Western Cooperative Credit Union6714 Highway 40, Tioga, ND 58852Directions
- Western Cooperative Credit Union215 Washington AVe, Williston, ND 58801Directions
Dickinson area · 2
- Western Cooperative Credit Union290 15th St W, Dickinson, ND 58601Directions
- Western Cooperative Credit Union721 State Ave, Dickinson, ND 58601Directions
Beach area · 1
- Western Cooperative Credit Union60 2nd St NE, Beach, ND 58621Directions
Bismarck area · 1
- Western Cooperative Credit Union701 Main St, Hebron, ND 58638Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.20% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 3.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.29% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $53 | $76 | — |
- CapitalNet worth ratio14.20%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late3.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.29%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$53Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Western Cooperative Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.