State credit union · Wichita, Kansas · NCUA charter #63211
Wheat State
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $21.8M
- Total assets
- 3,498
- Members
- 8.3%
- Net-worth ratio
Wheat State scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.8M; members 3,498; net-worth ratio 8.25%; health rank #4,276 of 4,374; healthier than 2nd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,276 of 4,374 health · 2025Q4Wheat State · health 50/100 · $21.8M · 2025Q4
- PHOTO 50/100
- BOOK 8.3%
- CHARTER 3.34%
- NCUSIF -1.10%
- CAMELS $21.8M
- HEALTH 3,498
- NW #4,276/4,374
- DELQ Local 804
- ROA 63211
Call Report peers
Wheat State in the assets neighbourhood
Wheat State's $21.8M assets sit next to Local 804 ($21.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wheat State vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
50 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Wheat State - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #63211 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Wheat State vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +43.74 pp (103.54% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -6.61 pp (8.25% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Wheat State sits in Kansas
- In Kansas, health place is #60 of 61 on the same NCUA-ratio sort used nationally.
- Kansas assets place: #38 of 61.
- Member book place in Kansas: #28 of 61.
In-state ordinals use the live credit_unions table for KS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Wheat State
Wheat State: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $21.8M (2025Q4) to $22.5M (2026Q1).
- Net-worth ratio shifted -0.63 pp (8.88% → 8.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 50/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 50.
- Net Worth Ratio 25.6 pts
- Delinquency Rate 4.1 pts
- Return on Assets 0.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 9.5 pts
Wheat State vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.25% | -6.61 pp |
| Delinquency Rate | 3.34% | +2.20 pp |
| Return on Assets | -1.10% | -1.80 pp |
| Member Growth | 1.54% | - |
| Loan-to-Share Ratio | 103.54% | +43.74 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Wheat State filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.5M | - |
| 2025Q4 | $21.8M | 3,498 |
| 2024Q4 | $22.4M | 3,445 |
| 2023Q4 | $23.5M | 3,516 |
Credit Union Details
- Charter Number
- 63211
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kansas
- City
- Wichita
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Wheat State.
| Office | City |
|---|---|
| Wheat State CU Main (Main Office) | Wichita, KS |
| West ST. | Wichita, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
A look at other Kansas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Wheat State
Two NCUA Call Report peer sets for Wheat State, both outside Kansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (50/100 here).
Using this data
- Wheat State ranks #4,276 of 4,374 nationally on financial health and #60 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CO-OPERATIVE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CO-OPERATIVE
- Rates and health both vary by institution, not just by state -- see how Kansas credit unions compare overall before assuming this one is typical. Kansas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Wheat State financially healthy?
A 8.25% net worth ratio and a 3.34% delinquency rate feed into Wheat State's financial health score of 50/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,276 of 4,374; by total assets it ranks #3,090 of 4,374 nationally (same basis as /rankings/largest); and #38 of 61 within Kansas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Wheat State compare to other credit unions?
On PlainCU's health composite, Wheat State lands at 50/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Wheat State?
Membership eligibility for Wheat State depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wheat State directly for current membership requirements and application steps.
Is my money safe at Wheat State?
Federal credit unions like Wheat State are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Wheat State's net worth ratio of 8.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wheat State offer compared to banks?
Credit unions like Wheat State are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Wheat State directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.