Wescom Central Credit Union (66703), a $6.4B credit union headquartered in Pasadena, CA, led by CEO Williams, reported $4.4B in member deposits at the end of 2025 Q3, a decrease of $56.9M (-1.3%) compared to the same quarter last year.
The credit union's 78.8% loan-to-share ratio represents a balanced approach between deploying deposits into loans and maintaining adequate liquidity.
Net effect: deposit stability suggests mature market positioning.
Deposit Composition
Wescom Central Credit Union's deposit portfolio is led by Regular Shares, comprising 33.9% of total deposits—basic savings accounts with no withdrawal restrictions.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $1.5B | 33.9% | +4.4% |
| Share Drafts | $958.6M | 22.0% | +7.4% |
| Money Market | $907.8M | 20.8% | +4.5% |
| Share Certificates | $644.5M | 14.8% | -27.4% |
| IRA/KEOGH | $193.5M | 4.4% | -5.4% |
| Non-Member Deposits | $175.0M | 4.0% | +20.6% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Deposit contraction may reflect rate-sensitive members moving funds to higher-yielding alternatives, or broader economic pressures affecting member savings capacity.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $4.5B | $18K | |
| 2024 Q3 | $4.4B | -1.9% | $18K |
| 2024 Q4 | $4.5B | +1.9% | $18K |
| 2025 Q1 | $4.6B | +2.6% | $18K |
| 2025 Q2 | $4.5B | -1.6% | $18K |
| 2025 Q3 | $4.4B | -4.0% | $17K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Wescom Central Credit Union serves 259,450 members, an increase of 3.8% year-over-year. The average member deposit of $17K has declined 4.9% compared to last year.
Member growth outpacing deposit growth may indicate acquisition of lower-balance members or competitive pressure on rates.
Historical Context: Since the 2008 Crisis
Wescom Central Credit Union's deposit base has grown 79% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $2.4B in member deposits serving 346,626 members.
Membership has declined 25% over this period, reflecting broader industry consolidation trends.
Peer Comparison
Among 127 credit unions in its $3.2B–$9.5B asset peer group, Wescom Central Credit Union ranks in the 7th percentile for deposit growth. This suggests room for improvement in member deposit attraction and retention.
Outlook
Wescom Central Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
Wescom Central Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether the credit union can stabilize its deposit base.
Track This Credit Union
Monitor Wescom Central Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.