BlastPoint's Credit Union Scorecard
WHEAT STATE
Charter #63211 · KS
WHEAT STATE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.80% above tier average
- + Loan-to-Share Ratio: Top 3.0% in tier
- + Fee Income Per Member: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.50% below tier average
- - Efficiency ratio 1.14% above tier (higher cost structure)
- - Delinquency rate 1.79% above tier average
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
- - Net Charge-Off Rate: Bottom 6.4% in tier
- - Net Worth Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,498
+1.5% YoY+0.7% QoQ
|
+882 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$21.8M
-2.6% YoY-3.3% QoQ
|
$-8.3M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$20.3M
+1.4% YoY-0.4% QoQ
|
+$4.6M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$19.6M
-1.5% YoY-2.1% QoQ
|
$-6.0M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
-0.9%
-17.0% YoY+3.6% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.5% in tier |
| NIM |
5.8%
+3.9% YoY+3.8% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 5.4% in tier |
| Efficiency Ratio |
83.7%
+1.0% YoY-3.7% QoQ
|
+1.1% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
3.3%
+0.7% YoY+7.3% QoQ
|
+1.8 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 11.4% in tier |
| Loan To Share |
103.5%
+3.0% YoY+1.7% QoQ
|
+42.9% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 3.1% in tier |
| AMR |
$11,427
-1.5% YoY-2.0% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
26.7%
-16.7% YoY-10.5% QoQ
|
+2.3% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % |
19.0%
+12.1% YoY-2.2% QoQ
|
+5.2% | 13.8% | 12.2% | 7.8% | 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)