West Bromwich Building Society sustainability score: 32/100
Limited independent evidence: only two independent sources cover this company. The score may change as more evidence appears.
West Bromwich Building Society is a UK mutual mortgage lender and savings provider headquartered in West Bromwich and owned by its members. It had about 740 employees and £110.5 million total income in its year to March 2026.
Head office West Bromwich, UKStaff ~740Revenue ~£110.5M total income (Group, FY to Mar 2026)Website ↗
West Bromwich Building Society's footprint was 204,008 tCO2e in 2025, 95% of it from the homes it lends on and its treasury investments, but it does not say this figure is on the standard PCAF basis, so the financial-sector size deduction applies. Its own operations' emissions fell to 524 t, but the total rose slightly. Its electricity is renewable under certificates, its targets are self-set with no SBTi validation, and it moved its carbon-neutral goal for its own operations from 2025 to 2030. It publishes no water data.
West Bromwich Building Society scores 32/100 (Below expectations) on SINK's independent climate assessment, scored from public data only. Scores are free. Companies can never pay for anything about their own score. Last verified November 2026.
That places West Bromwich Building Society joint 620th of 934 companies scored, and joint 36th of 59 in Financial Services / Banking.
What is West Bromwich Building Society doing well, and where does it fall short?
Strongest on Controversies & Red Flags and Carbon Footprint: Operations (8/10, 7/10). Weakest on Emissions Trajectory and Nature & Biodiversity Impact (0/10, 3/10).
Where West Bromwich Building Society lost points
For each question that lost points, the evidence our public rubric looks for that we didn't find.
- Emissions from its own operations7/10Its own emissions aren't independently verified or tracked over several years.
- Emissions from its supply chain6/10No full value-chain map or supplier engagement programme.
- Whether its emissions are falling0/10No evidence its emissions are falling, not even from energy bills or mileage.
- How clean its energy is5/10Less than half its energy shown to be renewable, or no transition plan.
- Its effect on nature3/10No assessment of its effect on nature, and no basic environmental policy.
- How it uses materials and handles waste3/10No active waste reduction, reuse or repair shown.
- Its effect on water3/10No monitoring of water use, or no measures to reduce it.
- Its climate targets3/10No specific targets with dates.
- How openly it reports6/10No annual impact report, or no pay linked to climate targets.
A score changes when the evidence does. We use new published evidence at the next rescore. Anyone can send us new evidence, free. How to send it.
How is West Bromwich Building Society's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleWhat evidence is West Bromwich Building Society's score based on?
9 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
22% of them were published by West Bromwich Building Society itself; the rest come from independent sources.
“Our operational carbon emissions have reduced year-on-year.”
“Based on the B Impact assessment, West Bromwich Building Society earned an overall score of 100.5.”
“meeting some of the highest standards of social and environmental responsibility”
“Borrowers will be collectively reimbursed £27.5m, while the lender has also agreed to re-set mortgage rates at a lower level.”
“The Appeal Court has ruled that the lender, an arm of the West Bromwich Building Society, was wrong to increase its charges for lifetime buy-to-let tracker mortgages.”
“West Brom Building Society performed well in our customer satisfaction survey, placing joint-6th.”
“It also aims to send zero waste to landfill by the end of this year.”
“accused of encouraging people to invest more in one of its products than is covered by the savers' compensation scheme”
If you believe a source has been misread or a newer version exists, submit a challenge.
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How does West Bromwich Building Society compare with other financial services / banking companies?
Where West Bromwich Building Society sits among financial services / banking peers.
Among the 59 major financial services / banking brands we've scored, West Bromwich Building Society is tied =36th of 59, with 6 others.
Who scores higher in Financial Services / Banking?
The 3 companies in the sector scoring nearest above West Bromwich Building Society.
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See the breakdown →SJP's emissions are rising sharply across Scope 3 (up 603% since 2016), its 2025 net zero operations target has failed, and multi-year trajectory data is corrupted by perimeter re-baselining.
See the breakdown →Which companies moved this week, and why.
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