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.
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#4,276 of 4,374 health · 2025Q4Wheat State · health 50/100 · $21.8M · 2025Q4
Call Report peers
Wheat State in the assets neighbourhood
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Wheat State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Wheat State sits in 50-54 with 82 others.
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 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%).
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.
- One place up in Kansas, Catholics United (#59) scores 52/100, 2 points higher; one place down, SUNFLOWER (#61) scores 47/100, 3 points lower.
Quarter path for Wheat State
Wheat State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $21.8M (2025Q4) to $22.5M (2026Q1).
- Net-worth ratio shifted -0.63 pp (8.88% → 8.25%).
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
Wheat State gives up 50 points in total. Delinquency Rate costs the most, 20.9 of its 25; Member Growth loses the least, 4.2.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Wheat State financially healthy?
On its 2025Q4 NCUA 5300 filing, Wheat State scores 50/100 (Fair), with a 8.25% net worth ratio and 3.34% of loans delinquent. It ranks #4,276 of 4,374 nationally on health and #60 of 61 in Kansas.
How does Wheat State compare to other credit unions?
Wheat State scores 50/100, higher than 2% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (103.54% vs 59.80%). Its widest shortfall is net worth ratio (8.25% vs 14.86%).
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?
Wheat State is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.