WICHITA

Charter #3907 | KS

100M-500M (1077 CUs) Micro
9 100M-500M in KS

WICHITA has 8 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 4.0% in tier
  • + Organic Growth Engine: Top 7.5% in tier
  • + ROA 0.24% above tier average
  • + Net Interest Margin 1.77% above tier average
  • + Strong member growth: 5.9% YoY
  • + Loan-to-Share Ratio: Top 1.9% in tier
  • + Efficiency Ratio: Top 6.7% in tier
  • + Member Growth Rate: Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 4.5% in tier
  • - Growth-at-Risk: Bottom 7.2% in tier
  • - Credit Quality Pressure: Bottom 8.1% in tier
  • - Indirect Auto Dependency: Bottom 25.6% in tier
  • - Liquidity Overhang: Bottom 30.1% in tier
  • - Delinquency rate 0.65% above tier average
  • - Share Certificate Concentration (%): Bottom 1.2% in tier
  • - Net Charge-Off Rate: Bottom 1.9% in tier
  • - Members Per Employee (MPE): Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 15,685
+5.9% YoY0% QoQ
 +56 15,628
-3.4% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 60th in tier
Assets $222.4M
+5.0% YoY-1.3% QoQ
 $-8.9M $231.3M
-0.0% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 57th in tier
Loans $195.3M
+6.5% YoY+2.1% QoQ
 +$47.5M $147.8M
-1.4% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 74th in tier
Deposits $190.0M
+4.4% YoY-1.8% QoQ
 $-10.2M $200.3M
-0.0% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 56th in tier
ROA 1.0%
+50.4% YoY-24.8% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 68th in tier
NIM 5.4%
+18.2% YoY+3.7% QoQ
 +1.8% 3.6%
+6.9% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 Top 1.5% in tier
Efficiency Ratio 58.2%
-18.4% YoY+5.6% QoQ
 -19.0% 77.3%
-3.0% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 6.7% in tier
Delinquency Rate 1.5%
+33.4% YoY-5.2% QoQ
 +0.6 0.9%
+7.6% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 Top 14.0% in tier
Loan To Share 102.8%
+2.0% YoY+3.9% QoQ
 +30.1% 72.7%
-1.5% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 Top 2.0% in tier
AMR $24,569
-0.4% YoY+0.1% QoQ
 +$205 $24,363
+2.9% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 62nd in tier
CD Concentration 50.6%
+0.8% YoY+0.6% QoQ
 +26.2% 24.4%
+4.2% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 22.9%
-6.1% YoY-1.5% QoQ
 +8.9% 14.0%
-5.8% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#76 of 627 • Top 4.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.03%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 5.93%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#139 of 603 • Top 7.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.93%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.03%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 22.85%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (5)

Liquidity Strain

risk
#36 of 258 • Bottom 4.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 102.77%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.51%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Growth-at-Risk

risk
#109 of 446 • Bottom 7.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.51%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.38% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#202 of 736 • Bottom 8.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.38% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#412 of 525 • Bottom 25.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.95%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 22.85%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.93%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#466 of 552 • Bottom 30.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.94%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 102.77%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

16
Net Interest Margin (NIM)
profitability
Value: 5.36%
Peer Avg: 3.58%
#16 of 1077 Top 1.4% in 100M-500M tier
22
Loan-to-Share Ratio
balance_sheet
Value: 102.77%
Peer Avg: 72.70%
#22 of 1077 Top 1.9% in 100M-500M tier
73
Efficiency Ratio
profitability
Value: 58.23%
Peer Avg: 77.28%
#73 of 1077 Top 6.7% in 100M-500M tier
81
Member Growth Rate
growth
Value: 5.93%
Peer Avg: 0.72%
#81 of 1077 Top 7.4% in 100M-500M tier
122
Fee Income Per Member
profitability
Value: $257.74
Peer Avg: $174.31
#122 of 1077 Top 11.2% in 100M-500M tier
227
Loan-to-Member Ratio (LMR)
engagement
Value: $12,452
Peer Avg: $10,245
#227 of 1077 Top 21.0% in 100M-500M tier
237
Net Worth Ratio
risk
Value: 13.94%
Peer Avg: 12.15%
#237 of 1077 Top 21.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1065
Share Certificate Concentration (%)
balance_sheet
Value: 50.65%
Peer Avg: 23.61%
#1065 of 1077 Bottom 1.2% in 100M-500M tier
1058
Net Charge-Off Rate
risk
Value: 1.87%
Peer Avg: 0.47%
#1058 of 1077 Bottom 1.9% in 100M-500M tier
977
Members Per Employee (MPE)
engagement
Value: 224.071
Peer Avg: 332.881
#977 of 1077 Bottom 9.4% in 100M-500M tier
927
Total Delinquency Rate (60+ days)
risk
Value: 1.51%
Peer Avg: 0.86%
#927 of 1077 Bottom 14.0% in 100M-500M tier
877
AMR Growth Rate
growth
Value: -0.44%
Peer Avg: 3.64%
#877 of 1077 Bottom 18.7% in 100M-500M tier
818
Indirect Auto Concentration (%)
balance_sheet
Value: 22.85%
Peer Avg: 13.34%
#818 of 1077 Bottom 24.1% in 100M-500M tier