Credit unions · Missouri · Q2 2026
West Community CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $656M |
| Total loans & leases | $514M |
| Total shares & deposits | $585M |
| Members | 41,910 |
| Net worth | $53.9M |
| Net worth / assets | 8.21% |
| Loans / assets | 78.25% |
| Return on assets (annualized) | 0.86% |
| Loan growth (YoY) | 27.46% |
| Member growth (YoY) | 29.13% |
| Delinquency, all loans (60+ days) | 1.40% |
| Charter | State charter (federally insured) |
| Asset band | $250M–$1B |
| NCUA peer group | over $500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
West Community CU runs an AI web concierge ("Jane") from Capacity that answers member and prospect questions from the credit union's own knowledge base and handles sign-ups for mobile banking. No public evidence was found of AI inside lending, collections or other decision-making workflows.
- West Community Credit Union reduces phone expenses by 20% with AI deflection. “After building WCCU’s Knowledge Base, WCCU launched Capacity’s Concierge on their website.”
- West Community Credit Union reduces phone expenses by 20% with AI deflection. “In fact, “Jane” answers over 90% of FAQs within just 2 seconds.”