WHEAT STATE
Charter #63211 · Wichita, KS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.25% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -1.45% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 5.79% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.07% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.09% sits at the 77th percentile of structural peers — worth a closer look.
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 | WHEAT STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.49M | 43th pct | 46th pct |
| Members | 3,749 | 88th pct | 69th pct |
| Net worth ratio | 8.25% | 6th pct | 10th pct |
| Return on average assets | -1.45% | 4th pct | 11th pct |
| Net interest margin | 5.79% | 98th pct | 90th pct |
| Cost of funds | 0.07% | 5th pct | 0th pct |
| Loan-to-share | 97.79% | 98th pct | 92th pct |
| Delinquency 60+ days | 2.09% | 86th pct | 77th pct |
| Net charge-off ratio | 1.30% | 90th pct | 84th pct |
| Loan growth YoY | -3.75% | 40th pct | 30th pct |
| Share growth YoY | 0.17% | 28th pct | 20th pct |
| Efficiency ratio | 89.51% | 72th pct | 80th pct |
structural peer set hash: 3213d4ae941f6718cc4b351b3829e0a5… (reproducible)
Closest structural peers
This is the free public view
Claim WHEAT STATE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.