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
Call Report peers
WICHITA in the assets neighbourhood
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
WICHITA sits in the busiest band, 85-89, alongside 857 other credit unions.
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: 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%).
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.
- One place up in Kansas, FARMWAY (#12) ties at 88/100; one place down, SM (#14) scores 87/100, 1 point lower.
WICHITA Call Report trajectory
WICHITA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $268.9M (2025Q4) to $275.1M (2026Q1).
- Net-worth ratio shifted -0.23 pp (14.26% → 14.03%).
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
WICHITA gives up 12 points in total. Delinquency Rate costs the most, 12.3 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is WICHITA financially healthy?
On its 2025Q4 NCUA 5300 filing, WICHITA scores 88/100 (Excellent), with a 14.03% net worth ratio and 1.98% of loans delinquent. It ranks #1,431 of 4,374 nationally on health and #13 of 61 in Kansas.
How does WICHITA compare to other credit unions?
WICHITA scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (88.08% vs 72.20%). Its widest shortfall is delinquency rate (1.98% vs 0.89%).
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?
WICHITA 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. WICHITA's net worth ratio of 14.03% 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.