Wheat State
Wheat State is a credit union based in Wichita, Kansas, established in 1963, with $22 million in total assets serving 3,749 members. By Trust Grade it ranks 61st of 62 credit unions we track in Kansas. Its net worth ratio of 8.3% trails most similarly sized credit unions (6th percentile), versus a Kansas median of 13.2%. It posted a loss over the most recent period (-1.43% return on assets), a point to watch. No consumer complaints against Wheat State appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Wheat State compares to Kansas peers
How we graded Wheat State
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.3% capital ratio)
- Unprofitable over the period (ROA -1.43%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Wheat State over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Wheat State insured?
Yes. Wheat State is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Wheat State: frequently asked questions
Is Wheat State a good credit union?
Wheat State earns a Bankzia Trust Grade of D (62/100, "Below average"), based on a financial-strength score of 62/100 (it has no CFPB complaints on record). Well-capitalized (8.3% capital ratio); Unprofitable over the period (ROA -1.43%).
Is Wheat State NCUA-insured?
Yes. Wheat State is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Wheat State?
Wheat State holds $22 million in total assets, ranking 61st of 62 credit unions we track in Kansas. It serves 3,749 members.
Does Wheat State have CFPB complaints?
No CFPB complaints against Wheat State appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
