Wescom Central Credit Union (66703), a $6.4B credit union headquartered in Pasadena, CA, led by CEO Williams, reported 259,450 members at the end of 2025 Q3, an increase of 9,408 members (+3.8%) compared to the same quarter last year.
Strong membership growth indicates successful community engagement, competitive products, and effective marketing—key drivers of long-term franchise value.
Per-Member Economics
Wescom Central Credit Union's 259,450 members maintain an average of $17K in deposits and $13K in loans. Membership growing faster than per-member balances suggests successful acquisition of newer members who haven't yet consolidated accounts.
Membership Trends
Consistent quarterly member additions demonstrate sustainable acquisition momentum.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 247,718 | $26K | |
| 2024 Q3 | 250,042 | +0.9% | $26K |
| 2024 Q4 | 252,184 | +0.9% | $25K |
| 2025 Q1 | 254,920 | +1.1% | $25K |
| 2025 Q2 | 256,722 | +0.7% | $25K |
| 2025 Q3 | 259,450 | +1.1% | $25K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
Wescom Central Credit Union has a defined field of membership comprising 28,164,601 potential members. With 259,450 current members, the credit union achieves a 0.9% penetration rate, representing significant untapped growth potential.
Historical Context: Since the 2008 Crisis
Wescom Central Credit Union's membership has contracted 25% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 346,626 members.
Membership consolidation reflects broader industry trends toward fewer, deeper member relationships.
Peer Comparison
Among 127 credit unions in its $3.2B–$9.5B asset peer group, Wescom Central Credit Union ranks in the 52nd percentile for membership growth.
Outlook
With positive membership momentum, Wescom Central Credit Union is positioned to leverage its growing base for cross-selling opportunities and deposit gathering. Key factors to watch include member retention rates, new member activation, and competitive dynamics in CA.
Wescom Central Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether membership growth can accelerate.
Track This Credit Union
Monitor Wescom Central Credit Union's quarterly membership trends, per-member economics, and engagement metrics 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. Per-member metrics calculated by dividing totals by member count.