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 1.61% above tier average
- + Loan-to-Share Ratio: Top 3.3% in tier
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.53% below tier average
- - Efficiency ratio 5.54% above tier (higher cost structure)
- - Delinquency rate 1.61% above tier average
- - Net Charge-Off Rate: Bottom 5.6% in tier
- - Indirect Auto Concentration (%): Bottom 5.9% in tier
- - Net Worth Ratio: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,472
+0.3% YoY+0.3% QoQ
|
+846 |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$22.5M
-0.9% YoY-2.1% QoQ
|
$-7.3M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$20.4M
+0.5% YoY-1.0% QoQ
|
+$4.7M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$20.1M
-1.2% YoY-2.8% QoQ
|
$-5.4M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
-0.8%
-31.8% YoY+91.7% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.3% in tier |
| NIM |
5.5%
+2.6% YoY+4.0% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
Top 6.9% in tier |
| Efficiency Ratio |
86.9%
-2.0% YoY+0.9% QoQ
|
+5.5% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
3.1%
+29.9% YoY+97.7% QoQ
|
+1.6 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Top 11.4% in tier |
| Loan To Share |
101.8%
+1.7% YoY+1.8% QoQ
|
+40.5% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
Top 3.5% in tier |
| AMR |
$11,663
-0.7% YoY-2.2% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
29.8%
-4.5% YoY-13.9% QoQ
|
+5.4% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.5%
+5.2% YoY+7.1% QoQ
|
+5.5% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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)