Federal credit union · Wichita, Kansas · NCUA charter #3907
WICHITA
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $268.9M
- Total assets
- 18,586
- Members
- 14.0%
- Net-worth ratio
WICHITA scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $268.9M; members 18,586; net-worth ratio 14.03%; health rank #1,431 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,431 of 4,374 health · 2025Q4WICHITA · health 88/100 · $268.9M · 2025Q4
- DELQ 88/100
- ROA 14.0%
- ASSETS 1.98%
- MEM 0.52%
- RANK $268.9M
- PHOTO 18,586
- BOOK #1,431/4,374
- CHARTER JETSTREAM
- NCUSIF 3907
Call Report peers
WICHITA in the assets neighbourhood
WICHITA's $268.9M assets sit next to JETSTREAM ($269.2M) 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.
WICHITA 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
88 Top 35% higher than 65% 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
WICHITA - Share Insurance Coverage
Charter #3907's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
WICHITA: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +15.88 pp (88.08% vs 72.20%).
- Widest shortfall vs peers is Delinquency Rate: +1.09 pp (1.98% vs 0.89%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
WICHITA in Kansas
- In Kansas, health place is #13 of 61 on the same NCUA-ratio sort used nationally.
- Assets rank #10 of 61 inside Kansas ($268.9M reported).
- Member book place in Kansas: #10 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.
WICHITA Call Report trajectory
WICHITA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $268.9M (2025Q4) to $275.1M (2026Q1).
- Net-worth ratio shifted -0.23 pp (14.26% → 14.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
WICHITA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.03% | +1.92 pp |
| Delinquency Rate | 1.98% | +1.09 pp |
| Return on Assets | 0.52% | -0.10 pp |
| Member Growth | 23.58% | - |
| Loan-to-Share Ratio | 88.08% | +15.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
WICHITA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $275.1M | - |
| 2025Q4 | $268.9M | 18,586 |
| 2024Q4 | $213.4M | 15,040 |
| 2023Q4 | $202.3M | 14,025 |
Credit Union Details
- Charter Number
- 3907
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Kansas
- City
- Wichita
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for WICHITA, spread across 2 cities.
| Office | City |
|---|---|
| Operations Center (Main Office) | Wichita, KS |
| MAFB | McConnell AFB, KS |
| West Office | Wichita, KS |
| City Hall Office | Wichita, KS |
| East Office | Wichita, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
Other-state peers near WICHITA
Cross-state asset and health neighbours for WICHITA - kept outside Kansas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($268.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- WICHITA ranks #1,431 of 4,374 nationally on financial health and #13 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Frontier Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Frontier Community
- 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 WICHITA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, WICHITA carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,431 of 4,374; by total assets it ranks #1,095 of 4,374 nationally (same basis as /rankings/largest); and #10 of 61 within Kansas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.03% net worth ratio and a 1.98% delinquency rate.
How does WICHITA compare to other credit unions?
On PlainCU's health composite, WICHITA lands at 88/100, compared to a peer group average for $100M–$500M 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 WICHITA?
WICHITA 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 WICHITA directly for the exact boundaries and application steps.
Is my money safe at WICHITA?
Federal credit unions like WICHITA 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. WICHITA's net worth ratio of 14.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WICHITA offer compared to banks?
Credit unions like WICHITA 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 WICHITA 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.