Federal credit union · LANCASTER, Pennsylvania · NCUA charter #1658
WHEATLAND
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $67.1M
- Total assets
- 4,994
- Members
- 8.6%
- Net-worth ratio
WHEATLAND scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $67.1M; members 4,994; net-worth ratio 8.61%; health rank #3,025 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,025 of 4,374 health · 2025Q4WHEATLAND · health 78/100 · $67.1M · 2025Q4
Call Report peers
WHEATLAND in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WHEATLAND vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WHEATLAND sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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
WHEATLAND vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 63.64% here, 62.60% peer average (+1.04 pp).
- Net Worth Ratio trails the peer set - 8.61% here, 13.62% peer average (-5.01 pp).
WHEATLAND: in-state Call Report ranks
- In Pennsylvania, health place is #181 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, WHEATLAND is #107 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #102 of 275.
- One place up in Pennsylvania, Belco Community Credit Union (#180) ties at 78/100; one place down, Berylco Employees' (#182) scores 77/100, 1 point lower.
How WHEATLAND's 5300 filing moved
WHEATLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $67.1M (2025Q4) to $70.0M (2026Q1).
- Net-worth ratio shifted -0.26 pp (8.87% → 8.61%).
At 8.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
WHEATLAND gives up 22 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for WHEATLAND
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.61% | -5.01 pp |
| Delinquency Rate | 0.48% | -0.49 pp |
| Return on Assets | 0.33% | -0.32 pp |
| Member Growth | -5.34% | - |
| Loan-to-Share Ratio | 63.64% | +1.04 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $70.0M | - |
| 2025Q4 | $67.1M | 4,994 |
| 2024Q4 | $68.2M | 5,276 |
| 2023Q4 | $66.6M | 5,603 |
Credit Union Details
- Charter Number
- 1658
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- LANCASTER
- Data Quarter
- 2025Q4
Branch Locations (4)
WHEATLAND operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Centerville (Main Office) | Lancaster, PA |
| E-Town | Elizabethtown, PA |
| Hempfield High School | Landisville, PA |
| Disaster Recovery | Landisville, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Other-state peers near WHEATLAND
Similar total assets
Similar health score
Using this data
- WHEATLAND ranks #3,025 of 4,374 nationally on financial health and #181 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACCESS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACCESS
Frequently Asked Questions
Is WHEATLAND financially healthy?
On its 2025Q4 NCUA 5300 filing, WHEATLAND scores 78/100 (Very Good), with a 8.61% net worth ratio and 0.48% of loans delinquent. It ranks #3,025 of 4,374 nationally on health and #181 of 275 in Pennsylvania.
How does WHEATLAND compare to other credit unions?
WHEATLAND scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (63.64% vs 62.60%). Its widest shortfall is net worth ratio (8.61% vs 13.62%).
How can I join WHEATLAND?
WHEATLAND operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact WHEATLAND directly for the exact boundaries and application steps.
Is my money safe at WHEATLAND?
WHEATLAND is a federal 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. WHEATLAND's net worth ratio of 8.61% 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.