BlastPoint's Credit Union Scorecard
WHEAT STATE
Charter #63211 · KS
WHEAT STATE has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.96% above tier average
- + Loan-to-Share Ratio: Top 3.4% in tier
- + Fee Income Per Member: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Delinquency rate 0.49% above tier average
- - Net Charge-Off Rate: Bottom 5.0% in tier
- - Indirect Auto Concentration (%): Bottom 5.6% in tier
- - Net Worth Ratio: Bottom 7.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits -4.0% year over year ($19.8M in shares and deposits).
- Membership: 3,461 members, -0.1% vs a year ago.
- Delinquency rate 2.04%.
- Return on assets 0.24%.
- Efficiency ratio 84.12% vs a 88.77% peer average.
- Loan-to-share ratio 99.36% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,461
-0.1% YoY-7.7% QoQ
|
+875 |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$22.1M
-4.1% YoY-1.8% QoQ
|
$-8.2M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$19.7M
-4.6% YoY+0.2% QoQ
|
+$4.2M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$19.8M
-4.0% YoY-1.4% QoQ
|
$-6.0M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.2%
-154.0% YoY-116.7% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 15.0% in tier |
| NIM |
5.9%
+9.9% YoY+2.9% QoQ
|
+2.0% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
84.1%
-2.3% YoY-6.0% QoQ
|
-4.6% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
2.0%
+29.4% YoY-2.6% QoQ
|
+0.5 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
99.4%
-0.6% YoY+1.6% QoQ
|
+40.5% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
Top 3.5% in tier |
| AMR |
$11,416
-4.2% YoY+7.6% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
25.1%
-27.4% YoY+0.8% QoQ
|
+0.6% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % |
18.7%
+3.0% YoY-2.8% QoQ
|
+5.1% | 13.6% | 12.0% | 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)