Wheat State

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$21.8M

65^th percentile

Members

3,498

90^th percentile

Total loans

$20.3M

89^th percentile

Total shares

$19.1M

66^th percentile

Profitability

Return on assets

1.41%

76^th percentile

Net interest margin

5.85%

94^th percentile

Efficiency ratio

69.74%

43^th percentile

Non-interest income ratio

26.89%

92^th percentile

Capital & Risk

Net worth ratio

8.88%

9^th percentile

Delinquency rate

3.34%

13^th percentile

Net charge-off rate

1.90%

7^th percentile

Loan-to-share

106.25%

96^th percentile

Growth

Member growth YoY

1.54%

81^th percentile

Asset growth YoY

-2.60%

27^th percentile

Loan growth YoY

1.43%

68^th percentile

Share growth YoY

-4.00%

25^th percentile

Operations

Members / branch

1,749

72^th percentile

Assets / member

$6,234

25^th percentile

Field of membership penetration

7.00%

20^th percentile

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