PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wheat State

Wichita, KS · Charter 63211

NCUA · 2 branches

Q2 2026

$22.1MAssets
$19.7MLoans
$19.8MShares
$1.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.24%, up 21 bps year over year; NIM at 5.92%.
  • Asset quality: problem loans at 2.04% of loans (+46 bps YoY).
  • Capital: net worth / assets of 8.64%, down 39 bps from a year ago.
  • Funding: loans stand at 99.36% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.24%+21 bps YoY

Net Interest Margin (YTD, annualized)

5.92%+48 bps YoY

Efficiency Ratio (YTD, annualized)

84.12%-202 bps YoY

Net Worth / Assets

8.64%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.45%-0.86%-0.89%-1.43%-0.24%+21 bps
Return on Equity-5.00%-9.74%-10.07%-17.36%-2.79%+221 bps
Net Interest Margin5.44%5.61%5.85%5.70%5.92%+48 bps
Efficiency Ratio86.13%86.93%83.70%89.51%84.12%-202 bps
Growth
Asset Growth (YoY)-0.32%-0.93%-2.60%-6.02%-4.06%-374 bps
Loan Growth (YoY)0.29%0.47%1.43%-1.06%-4.59%-489 bps
Share Growth (YoY)0.58%-1.18%-1.50%-6.31%-4.00%-459 bps
Asset Quality
Delinquent Loans / Loans1.58%3.12%3.34%2.09%2.04%+46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.03%8.81%8.88%8.25%8.64%-39 bps
Net Worth / Assets9.03%8.81%8.88%8.25%8.64%-39 bps
Liquidity & Funding
Loans / Shares99.97%101.77%103.54%97.79%99.36%-61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps