Wheat State
Wichita, KS · Charter 63211 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$22.1MAssets
$19.7MLoans
$19.8MShares
$1.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets (rank 46 of 1683).
- Widest gap: return on equity trails 93% of credit unions under $1B in assets (rank 1568 of 1681).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.24%
Rank 1,545 of 1,683
Net Interest Margin
5.91%
Rank 46 of 1,683
Efficiency Ratio
84.25%
Rank 1,155 of 1,682
Equity / Assets
8.64%
Rank 1,552 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.24% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,545 / 1,683 | |
| Return on Equity | -2.83% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,568 / 1,681 | |
| Net Interest Margin | 5.91% | 3.31% | 3.82% | 4.32% | Beats 97% | 46 / 1,683 | |
| Efficiency Ratio | 84.25% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,155 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.04% | 0.26% | 0.65% | 1.29% | Beats 14% | 1,453 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.64% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,552 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.64% | 10.44% | 12.89% | 16.53% | Beats 8% | 1,552 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 99.35% | 52.61% | 69.38% | 83.50% | 96th pctl | 62 / 1,683 | |
| Loans / Assets | 89.13% | 44.71% | 59.18% | 70.72% | 99th pctl | 12 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |