Overview / Commentary
316-687-4101
1144 S Clifton Ave
Wichita, KS 67218

Wheat State Credit Union is headquartered in Wichita and is the 40th largest credit union in the state of Kansas. It is also the 3,405th largest credit union in the nation. It was established in 1963 and as of December of 2018, it had grown to 8 employees and 4,223 members at 2 locations. Wheat State Credit Union's CD rates are 2X the national average, but it has a C health rating.

Field of Membership Restrictions

Membership in Wheat State Credit Union is open to those who live, work or worship in Sedgwick, Riley, Geary, Sumner, Harper, Kingman, McPherson, Pratt, Stafford, Butler, Harvey, Marion, Dickinson, Cowley, Barber, Reno, Chase, Morris, Clay, Cloud, or Rice Counties in Kansas. Membership is also open to employees of any organization and subsidiaries in the healthcare industry in Kansas.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Wheat State Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #63211
Year Chartered1963
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD5.54%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$19.1MM$20.0MM
LoansQ4 2018vs Q4 2017$17.3MM$18.0MM
DepositsQ4 2018vs Q4 2017$17.4MM$18.4MM
Equity CapitalQ4 2018vs Q4 2017$1.4MM$1.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$615.00K$518.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$465.00K$452.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Wheat State Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA accounts
0.15%--Special Savings
0.08%*$2.5k*-Share Savings
OTHER TIERS: 0.03% $50 - $2.5k
0.02%--Christmas Club

Wheat State Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$300-Member's Choice Checking

Wheat State Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$500-36 month CD
2.50%$500-24 month CD
2.25%$500-18 month CD
2.00%$500-12 month CD
0.75%$500-6 Month CD
Locations


Wheat State Credit Union Locations
Branch Office2622 W Central Ave Ste 106Wichita, KS 67203
Corporate Office1400 S Oliver StWichita, KS 67218-3226

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