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Credit union call report ยท Wichita, KS

Wheat State Credit Union Call Report

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Wheat State Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 255 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Wheat State Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number63211
Federal Reserve RSSD ID609690

The official copy: search charter number 63211 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Wheat State Credit Union call report, Q2 2026

Statement of Financial Condition (28 items)
Wheat State Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $762K
1c. Total Cash on Hand 730A $762K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $610K
2. Cash on Deposit (total) 730B $610K
3. Time Deposits in Banks and Credit Unions AS0007 $596K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $2.0M
12b. Perpetual Contributed Capital 769B $112K
13. TOTAL OTHER INVESTMENTS AS0017 $112K
15a. Number of Total Loans and Leases 025A 2,079
15b. Total Loans and Leases 025B $19.7M
17. ACL on Loans and Leases AS0048 $420K
18c. Foreclosed/Repossessed - Vehicles AS0024 $29K
18e. Foreclosed/Repossessed Assets (total) 798A $29K
19. Land and Building 007 $293K
20. Other Fixed Assets 008 $48K
21. NCUA Share Insurance Capitalization Deposit 794 $190K
22d. Accrued Interest on Loans 009A $69K
22f. All Other Assets 009C $112K
22g. Total Other Assets AS0036 $181K
23. TOTAL ASSETS 010 $22.1M
Accounts Payable and Other Liabilities 825 $364K
Member Shares of All Types 013 $19.6M
Nonmember Deposits 880 $249K
Total Shares and Deposits 018 $19.8M
Undivided Earnings 940 $1.9M
Total Net Worth 997 $1.9M
Net Worth Ratio 998 8.64%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $22.1M
Statement of Income and Expense (24 items)
Wheat State Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $759K
3. Income from Investments 120 $25K
5. TOTAL INTEREST INCOME 115 $784K
6. Dividends on Shares 380 $7K
7. Interest on Deposits 381 $124K
8. Interest on Borrowed Money 340 $90
9. TOTAL INTEREST EXPENSE 350 $131K
10. NET INTEREST INCOME IS0010 $653K
12a. Credit Loss Expense - Loans and Leases IS0011 $180K
12e. Total Credit Loss Expense IS0017 $180K
13. Fee Income 131 $261K
14. Other Operating Income IS0020 $51K
23. TOTAL NON-INTEREST INCOME 117 $312K
24. Employee Compensation and Benefits 210 $320K
25. Travel and Conference 230 $8K
26. Office Occupancy 250 $56K
27. Office Operations 260 $307K
28. Educational and Promotional 270 $8K
29. Loan Servicing 280 $25K
30. Professional and Outside Services 290 $82K
32. Operating Fees 320 $3K
33. Miscellaneous Operating Expense 360 $4K
34. TOTAL NON-INTEREST EXPENSE 671 $813K
35. NET INCOME 661A -$27K
Statement pages - all other filed accounts (23 items)

delinquency (21%), credit cards (21%)

Wheat State Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $943K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $136K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $20K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $30K
Loans Granted Year-to-Date 031A $342
Amount of Loans Granted Year-to-Date 031B $3.9M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $402K
Number of current members (not number of accounts) 083 3,461
Number of potential members 084 50,000
Non-Member Deposits 457 $1
Interest Rate of Unsecured Credit Card Loans 521 1,140.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 944.00%
Interest Rate of New Vehicle Loans 523 673.00%
Interest Rate of Used Vehicle Loans 524 780.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $249K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $23K
Amount of Regular Shares 657 $8.6M
Amount of Share Drafts 902 $3.6M
IRA/KEOGH Accounts - < 1 Year 906A $1.5M
Share Certificates - < 1 Year 908A $4.7M
Total Amount of Share Certificates 908C $5.0M
Total Amount of Money Market Shares 911 $535K
Number of Used Vehicle Loans 968 812
NCUA data file FS220A (24 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Wheat State Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $18.9M
Total Shares - 1-3 Years 013B1 $518K
Total Shares - > 3 Years 013B2 $109K
Total Shares and Deposits - < 1 Year 018A $19.2M
Total Shares and Deposits - 1-3 Years 018B1 $518K
Total Shares and Deposits - > 3 Years 018B2 $109K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 37
Amount of Delinquent Indirect Loans 041E $43K
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $12.2M
Amount of New Vehicle Loans 385 $1.2M
Amount of Unsecured Credit Card Loans 396 $431K
Amount of All Other Unsecured Loans/Lines of Credit 397 $2.0M
Share Certificates 451 $222
Number of Accounts for Share Drafts 452 1,591
IRA/KEOGH Accounts 453 $62
Number of Accounts for Regular Shares 454 3,801
Money Market Shares 458 $24
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 5,701
Number of credit union employees who are Full-Time (26 hours or more) 564A 8
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Number of Outstanding Indirect Loans 617A 211
Total Amount of Outstanding Indirect Loans 618A $3.7M
Total credit lines 881 $970K
NCUA data file FS220B (26 items)

maturity and repricing buckets (40%), credit cards (17%)

Wheat State Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $6K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $20K
Number - Total Delinquent Credit Card Loans 045A 9
Total Amount of Delinquent Unsecured Credit Card Loans 045B $33K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $625K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $625K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $19.2M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
Amount of Regular Shares - < 1 Year 657A $8.6M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $13K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $4K
Non-Member Deposits - < 1 Year 880A $249K
Amount of Share Drafts - < 1 Year 902A $3.6M
IRA/KEOGH Accounts - 1-3 Years 906B1 $242K
IRA/KEOGH Accounts - > 3 Years 906B2 $104K
Total Amount of IRA/KEOGH Accounts 906C $1.9M
Share Certificates - 1-3 Years 908B1 $275K
Share Certificates - > 3 Years 908B2 $5K
Money Market Shares - < 1 Year 911A $535K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $117K
Number of New Vehicle Loans 958 39
Total Shares 966 $6K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $218K
Number of Unsecured Credit Card Loans 993 586
Number of All Other Unsecured Loans/Lines of Credit 994 495
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 6
NCUA data file FS220C (6 items)

charge-offs and recoveries (27%), participation loans (18%)

Wheat State Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $23K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $3K
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $2.5M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $637K
NCUA data file FS220D (20 items)

member services and products offered (69%), CUSO relationships (27%)

Wheat State Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Mortgage Processing 879G $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (3 items)

loans and leases (32%), participation loans (18%)

Wheat State Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Value of Investments in CUSOs 851 $18K
Total Aggregate Cash Outlay in CUSOs 853 $18K
Total Credit Lines at Corporate Credit Unions 884 $970K
NCUA data file FS220H (3 items)

student loans (43%), delinquency (27%)

Wheat State Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $2.3M
Total number of TDR loans outstanding 1000F $10
Total amount of TDR loans outstanding 1001F $150K
NCUA data file FS220I (12 items)

vehicle lending (59%), delinquency (44%)

Wheat State Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $8K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $652K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $26K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $78K
Number of Reportable Delinquent New Vehicle Loans 035E1 2
Number of Reportable Delinquent Used Vehicle Loans 035E2 14
Amount of Reportable Delinquent New Vehicle Loans 041C1 $62K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $268K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $103K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $9K
Commercial Share Accounts 643 $471K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $26K
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Wheat State Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $19.7M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $1.2M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 732.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 311.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 646.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $1.9M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $770K
NCUA data file FS220M (7 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Wheat State Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $82K
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.7M
Total Unfunded Commitments for Non-Commercial Loans 816T $2.3M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $466K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 13
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 40
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 94
NCUA data file FS220N (2 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Wheat State Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $20.2M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $22.1M
NCUA data file FS220P (23 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Wheat State Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $134K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $9K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $100
Unsecured Credit Card Loans DL0002 $7K
All Other Unsecured Loans/Lines of Credit DL0022 $57K
All Other Unsecured Loans/Lines of Credit DL0023 $5K
All Other Unsecured Loans/Lines of Credit DL0024 $26K
All Other Unsecured Loans/Lines of Credit DL0027 $31K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $10
New Vehicle Loans DL0030 $35K
Used Vehicle Loans DL0037 $190K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $28K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $9K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $9K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $2
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $118K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $50K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $245K
Amount of Consumer Loans in Non-Accrual Status DL0145 $156K
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans DL0148 $2
Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans DL0149 $55K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 211
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $3.7M
NCUA data file FS220Q (13 items)

investment portfolio detail (69%)

Wheat State Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $596K
Investment Maturity Distribution - Time Deposits - Total NV0116 $596K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $112K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $112K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $596K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $112K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $708K
RBC Total Equity RB0001 $1.9M
RBC Allowance for Credit Losses RB0002 $420K
RBC Total Additions RB0005 $420K
RBC Total Deductions RB0009 $190K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $2.1M
RBC Risk-Based Capital Numerator RB0012 $2.1M
NCUA data file FS220R (33 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Wheat State Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $112K
RBC Schedule Total Consumer Loans RB0060 $17.7M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $420K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $420K
RBC Schedule Total Loans RB0079 $19.3M
RBC Total for Risk Weighting Total Loans RB0081 -$420K
RBC Total Loans 0% Weight RB0082 -$420K
RBC Schedule Total Other Assets RB0088 $741K
RBC Total for Risk Weighting Other Assets RB0090 $190K
RBC Other Assets 0% Weight RB0091 $190K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $22.1M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 -$229K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 -$229K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $22.1M
RBC Allowance for Credit Losses (Loans) RB0177 $420K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 5.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 461,863.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 5.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 25,283.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 3.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 282,753.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $770K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 3.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 76,049.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 37.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 1,169,496.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $1.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $53
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $2.0M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $1.5M
Total Shares SH0013 $19.6M
Total Shares and Deposits SH0018 $19.8M
Total Non-Member Deposits SH0880 $249K

Wheat State Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Wheat State Credit Union call report?

The Wheat State Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Wheat State Credit Union file?

Wheat State Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Wheat State Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Wheat State Credit Union is 63211.

How often does Wheat State Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Wheat State Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.