BlastPoint's Credit Union Scorecard
WHEAT STATE
Charter #63211 · KS
WHEAT STATE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.69% above tier average
- + Strong member growth: 9.1% YoY
- + Member Growth Rate: Top 3.8% in tier
- + Loan-to-Share Ratio: Top 3.8% in tier
- + Fee Income Per Member: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.58% below tier average
- - Delinquency rate 0.59% above tier average
- - AMR Growth Rate: Bottom 5.4% in tier
- - Indirect Auto Concentration (%): Bottom 5.6% in tier
- - Net Worth Ratio: Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,749
+9.1% YoY+7.2% QoQ
|
+1.1K |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$22.5M
-6.0% YoY+3.2% QoQ
|
$-7.7M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$19.7M
-1.1% YoY-3.3% QoQ
|
+$4.4M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$20.1M
-6.3% YoY+2.4% QoQ
|
$-5.7M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
-1.4%
+95.5% YoY+62.9% QoQ
|
-1.6% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.4% in tier |
| NIM |
5.7%
+7.3% YoY-1.0% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Top 5.2% in tier |
| Efficiency Ratio |
89.5%
-0.9% YoY+6.9% QoQ
|
-1.1% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
2.1%
+44.8% YoY-37.4% QoQ
|
+0.6 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
97.8%
+5.6% YoY-5.6% QoQ
|
+39.3% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 3.9% in tier |
| AMR |
$10,606
-11.8% YoY-7.2% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
24.9%
-22.6% YoY-6.6% QoQ
|
+0.7% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % |
19.3%
+16.5% YoY+1.2% QoQ
|
+5.5% | 13.8% | 12.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)