# WHEATLAND
LANCASTER, PA · NCUA charter 1658 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wheatland-1658

Who the members are: federal charter, community charter, organized 1936. 4,926 members of 536,600 potential (0.9% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $70.0M |
| Members | 4,926 (-4.5% YoY) |
| Full-time staff | 14 |
| Net worth | $6.0M |
| Net worth ratio | 8.6% (p8 of band) |
| ROA (annualized) | 0.39% (p33 of band) |
| Total delinquency | 0.67% (p53 of band) |
| Net charge-offs (annualized) | 0.04% (p24 of band) |
| Loans / shares | 60% (p48 of band) |
| Cash / assets | 39.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p47 of band) |
| Operating expense / assets | 4.09% (p68 of band) |
| Vehicles % of loans | 53% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 258% (p96 of band) |
| Vehicle delinquency | 0.92% (p67 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 23% |
| Average share balance | $6,788 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $700,776 |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $13,331 |
| Loans granted, annualized | $10.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $700,776 outstanding purchased (11.6% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -2.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | 3rd-party paper>100% NW |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, members leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 | thin capital | members leaving |
| 2017-12 | 2 |  | net worth falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | loans>95% of shares |  |
| 2018-09 | 2 |  | thin capital |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | thin capital | loans>95% of shares |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 5 | thin capital, losing money, delinquency 2x band, delinquency rising |  |
| 2020-06 | 3 | net worth falling | losing money, delinquency 2x band, delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 4 | delinquency 2x band, members leaving |  |
| 2021-03 | 5 | net worth falling |  |
| 2021-06 | 7 | losing money, delinquency rising, charge-offs p90 | net worth falling |
| 2021-09 | 7 | loan book shrinking | losing money |
| 2021-12 | 5 |  | delinquency rising, loan book shrinking |
| 2022-03 | 6 | net worth falling, losing money | charge-offs p90 |
| 2022-06 | 4 |  | net worth falling, losing money |
| 2022-09 | 3 |  | delinquency 2x band |
| 2022-12 | 2 |  | members leaving |
| 2023-03 | 4 | losing money, charge-offs p90 |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | charge-offs p90 |
| 2023-12 | 4 | charge-offs p90, assets shrinking | losing money |
| 2024-03 | 5 | losing money, delinquency rising | charge-offs p90 |
| 2024-06 | 7 | members leaving, loan book shrinking |  |
| 2024-09 | 6 | repo signal | losing money, delinquency rising |
| 2024-12 | 4 |  | assets shrinking, repo signal |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 | delinquency rising | loan book shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-15 [Pitbull Setlist: What to Expect on the 2026 I’m Back! Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiWkFVX3lxTE13UlhrRjZJdFE0U2Q3M0pHclVWTXNpWUVOWmNuUmc3d1FMNTVSTVh4QTd1cGdBY0dQWU9QV19hMVd4WnhpMEFNeDZYVGVWUF9sUWJlY2ZWb01FZw?oc=5) · Ticketmaster Blog
- 2026-01-15 [Pitbull's 'I'm Back' tour comes to Wheatland's Toyota Amphitheatre on June 6 - ABC10](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPQVN5bFliWWp0VnB5S2ZzRElHTGRmQnYyaWl2ZXEyVzJiVnVjRWxmdnJ5bFB4em5FSnI2ZGhpTzRpMk5sUV9LX3NBTnAwS3ZMWjZXN1lGbnJnV1lnUVJma2NZTGpZdl9heER1U1kxU3ZnMnNQSkxEOE1idzROYk5QQzZOQ1FWMjNmTEhEazdlQkhBNTJhRU9zbWQtNktQQ1FMOEg3SnBsd0dCalVMMUxFc0RySUpZU2hMZkZ3NUYxcUNKQQ?oc=5) · ABC10
- 2024-04-04 [Republic FC and SchoolsFirst Federal Credit Union Honor Indomitable Educators from Wheatland Union High School - sacrepublicfc.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPcEttVHRIQjJna0ZrWFNIckdnXzdWV1VLbUpLWmNRS3ZBNEVHQTc0VW42M2hnU2lZbVVCQUtjUGtEU0FwUWI3bVhTT2tybWFkb3g0RFVmY1NWSlJ2M296MTk2Ny1fbGlweEpsU24xNzRvSk9iblI4ZVUwYVVULW9MUFh4R0piTlk4ZVdoRmxyRHU4blpLdWdrOGY2YW9YV2hTMmtJS3BLaVZ6Rlg2OExmbFQxX3BqNW5pLXNIY0w1dUUxUzJWLW8zOWJmXzFXM0xOdmVNWlhoNDJzQjBRLTRfN2FVc2dCV0pySzZrSlVR?oc=5) · sacrepublicfc.com
- 2026-05-12 [Eddie Trunk Official Website - Eddie Trunk](https://news.google.com/rss/articles/CBMisgJBVV95cUxQc01VMWcxLW5KOUp3Y0NqNGU3bTlGR3lJNXY5T3piZjJ1eXJzbVBsVUQyQXNyMC02WlBrM2I0SnVYMkNSbldFNHMyN2J4NzhMOVI5UkZ1MllRTkUwM0Ywc296LVlPVDREZ1NwOWVOSXRpUEJESUxQUU81aUdtZm1TY3RVUFRrSVM0RGgxT3ZpcmhyT1kxOGNqOUR3NHlBQ3J2aVQ0dlhBelU0alhJSnlReWRaLUUtYWtqOS1WN3ZuTW5MVENObVZkaHZFdXg5VVVvcjE3ajV2ZkJfRUU2aGtFd0NhM3FrVkxzSE45Tkw3YTJuaENWZ3BOeG1DVGYwMVJiYzd3am5UaUxTVEwtVzRPVU9sZnB5UFlvNlc3ZkRqSUNYX3U3RzZPZHhwcFpIZnhlTkE?oc=5) · Eddie Trunk
- 2026-01-15 [Pitbull Announces I’m Back Tour With Lil Jon as Special Guest: See All the Dates - Billboard](https://news.google.com/rss/articles/CBMinwFBVV95cUxPa19yRTFScVF3VVJSNFFIc2lxekxZRDRBLVhlVDBVVmxuZ2ZKdV9ZZlBBa0dKSG11d0JnQ3A2eVluYjZGNWQ3dkZLTWNFVUlxdkEtSUlFbTIxSUZNaURZaEVFVFBmWFU5VENscW5LbWMxNHJxaE1EQ25CaGQwMXVqRmdHdWFjbTdsaFRkeXZ6YndDREFNeEZHMXFreXdmUms?oc=5) · Billboard
- 2013-09-12 [Robbers hit credit union, bank here - LancasterOnline](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOMFlMV0lKU09IclFfVzlqTElfVlhrQ09ocWpLRUZ4eTJyYmd0dW5Fano4bXlnQnBzM194aVM3aEMzZUw3QW9zYkxiM3BDTXhZT29nYUZKREhGT3ZMTmxYZ29vbnhaM3FyYmthdUZDblV1TEMwOURrTkxKWHAtb21zblhMSERYbHhlZTgzYnIyYWxabUhqTmtPd2RBeXAtSGQtVTc3YXlVSWV4aEpqVWlsN1QtQlB6NEZu?oc=5) · LancasterOnline
- 2025-11-18 [Mötley Crüe Announces Massive 2026 North American Tour, Celebrating 20th Anniversary Of ‘CARNIVAL OF SINS’ Tour & Band’s 45th Anniversary - Live Nation Newsroom](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNZ2RRbnU4UW81OGY5NmFxVDhXSmxpbURQLXZnbGhiZDhKTVB3LWdpTkg1NUNWd0hSeGEzUjcxTHdCZ2lkd1JIMUJaTGRwaWJQWVJuQ0NMUzZmZUhYN2JJa0tCODJITnZnQVlhWGhQQzg0emVHejcwMnRuSTBXaGlhVW1lRXBLdzdXZk9BdmdKci1nR3I3SUJ1VWI0c3dNdnBNa1dVT2c4Y25MQTNFSExsNDFGNkJzV2Z5RFJHM2tFSXQwd3NkRjREMjA1YkNRdXRFV2RTay1jV2ZkeGRNYjlBbGRFOHJ6MnVWcWRRNTdmNnVYYmx3TFdQOHdpekpTdw?oc=5) · Live Nation Newsroom
- 2026-01-15 [Pitbull Plots 2026 North American Tour - Exclaim!](https://news.google.com/rss/articles/CBMie0FVX3lxTE9ZeFhaYVdOQko2d0lDaW5UdmZNQ2FYd0hxbUVIQTlPa29HSkdQb2pwSlFCajB6bnY2ZTZpUjJkQlNSamttem8xYkxGT0JyZDA3Um1tb0ZFX1NfNThkZzNKLWRjaVlGb0dtSU94aUV6ZmI4OTNvN004RmZXYw?oc=5) · Exclaim!

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1658 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/58.json (key "1658", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1658
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide