WHEATLAND
Charter #1658 · LANCASTER, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.61% sits at the 7th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.04% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.91% sits at the 93rd percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 26th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WHEATLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $69.97M | 47th pct | 38th pct |
| Members | 4,926 | 48th pct | 34th pct |
| Net worth ratio | 8.61% | 8th pct | 7th pct |
| Return on average assets | 0.39% | 33th pct | 30th pct |
| Net interest margin | 3.66% | 49th pct | 41th pct |
| Cost of funds | 0.95% | 53th pct | 54th pct |
| Loan-to-share | 59.87% | 48th pct | 44th pct |
| Delinquency 60+ days | 0.67% | 53th pct | 59th pct |
| Net charge-off ratio | 0.04% | 24th pct | 21th pct |
| Loan growth YoY | -2.19% | 42th pct | 26th pct |
| Share growth YoY | 2.92% | 51th pct | 39th pct |
| Efficiency ratio | 93.91% | 88th pct | 93th pct |
structural peer set hash: 1a87de1085be8860faeb35f4e1632af6… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.