# WICHITA
Wichita, KS · NCUA charter 3907 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wichita-3907

Who the members are: federal charter, community charter, organized 1940, low-income designated. 18,893 members of 1,000,000 potential (1.9% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 73.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $275.1M |
| Members | 18,893 (22.8% YoY) |
| Full-time staff | 74 |
| Net worth | $38.6M |
| Net worth ratio | 14.0% (p83 of band) |
| ROA (annualized) | 0.47% (p33 of band) |
| Total delinquency | 1.73% (p95 of band) |
| Net charge-offs (annualized) | 1.80% (p98 of band) |
| Loans / shares | 87% (p81 of band) |
| Cash / assets | 17.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.42% (p99 of band) |
| Operating expense / assets | 4.57% (p85 of band) |
| Vehicles % of loans | 55% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 115% (p62 of band) |
| Vehicle delinquency | 2.08% (p94 of band) |
| Vehicle NCO | 2.97% (p95 of band) |
| Repossessed % of vehicle book | 0.67% (p97 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 44% |
| Average share balance | $7,359 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $153,348 |
| Loans outstanding per 100 members | 73% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $14,586 |
| Loans granted, annualized | $12.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $153,348 outstanding purchased (0.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 21.8% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 2 | repo signal |  |
| 2016-09 | 2 | charge-offs p90 | repo signal |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 | 3rd-party paper>100% NW | delinquency rising |
| 2017-09 | 3 | repo signal |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | charge-offs p90 |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 | loans>95% of shares | repo signal, charge-offs p90 |
| 2018-12 | 3 | repo signal | auto monoline |
| 2019-03 | 1 |  | loans>95% of shares, repo signal |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | loans>95% of shares | net worth falling |
| 2020-03 | 2 | repo signal | loans>95% of shares |
| 2020-06 | 3 | net worth falling, delinquency rising | repo signal |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 | repo signal | delinquency rising |
| 2021-03 | 5 | expense trap, delinquency 2x band, charge-offs p90 |  |
| 2021-06 | 4 |  | repo signal |
| 2021-09 | 5 | loans>95% of shares |  |
| 2021-12 | 4 |  | loans>95% of shares |
| 2022-03 | 3 | loans>95% of shares | delinquency 2x band, charge-offs p90 |
| 2022-06 | 4 | delinquency 2x band |  |
| 2022-09 | 4 | net worth falling | delinquency 2x band |
| 2022-12 | 3 | repo signal | expense trap, loans>95% of shares |
| 2023-03 | 6 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2023-06 | 5 | loans>95% of shares | net worth falling, delinquency rising |
| 2023-09 | 4 |  | delinquency 2x band |
| 2023-12 | 6 | delinquency 2x band, delinquency rising |  |
| 2024-03 | 4 |  | charge-offs p90, loans>95% of shares |
| 2024-06 | 3 | loans>95% of shares | delinquency 2x band, delinquency rising |
| 2024-09 | 4 | charge-offs p90 |  |
| 2024-12 | 5 | delinquency 2x band |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 4 |  | loans>95% of shares |
| 2026-03 | 5 | delinquency rising |  |

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

- 2026-09-08 [Heartland Credit Union Opens New Branch at 21st & Rock in Wichita - Ad Astra Radio](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNYnp6clJIWktoSFQ2NDBsc01qUTV0M3p6dzFJRHVzckhLSm5GRTk2X3RaR01LaXZPakVDNTRreFRzRVRVbnZXTmR6WXpZSVU0VGVzQUtXMnQ3b0c2VEN5YVZMWFBNd2RwT3Ztb0oyOTBkOUZuT2J6ODZfbEZUWkFXeGVPWTJRWHpXNVRoZHdHdjFnY3FPLUctN1dBcUZ2LUhobUxfNFI1RTNVQQ?oc=5) · Ad Astra Radio
- 2026-05-08 [Crime Stoppers: Man cons Wichita credit union and two customers out of $30,000 in cash - kake.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNd1o3bzl0eGg3MkdPZG1QY0lBREJBWDd3bHJlZzk2d1ZtbnNJR3U3LTdsbWd5bkZFNVRLc2NqT3h4RkJ2SWp4OWo4N1h3elNrNWdKY2pJZWtfbV9tTWh2MWJlNEUwdXdsVEluX0xZWjZqQ19XTlZMdVVhMUZXMWo3bFhaWG1YUFhyNjFTNWxGTGZVWjAtWnNOQ2RxVG0xd2s2anhCR2JLcnFteEwxcmptVEM1aENGR2t3SGxlZlU5eWVtTDZicEFoVzhJemdpUW1PMk9GNDRMdWlnODZPTFl6ZzRoU3pKamZIREZz?oc=5) · kake.com
- 2026-02-27 [White Eagle CU to Open Branch Near Wichita This Fall - CUTimes](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVWJ1SlYyay0yU3VCN3VtTzZHZkRWdVQzYy1UcDB6QUdscmstTGFlNFg0YVZZUWJDQ1RGZ2lHV1A2N0pPLWV3eXVCTkdTUUJmZGlqSE50MmJXZmdQZEtHVWNWb1M1Mkt0NzNydTBvQlpVTDJMcVp4R3Zsb2x5NlAxSGJuRU94VmdkMEM5Qmdad29vZw?oc=5) · CUTimes
- 2025-11-07 [Kansas credit union taps rising Nugget star after Denver-area merger - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPYnVPa1JHRnRTQ2ZQanhuOWxNcU54QXRRclkxS2JjWExmeWZiWi16eUJ4MTNuWlhBNEk3Mm9HLWpyMkUxamJfbkhBZGp1a1M5Z1RfY2NVMFgwOF84ckJ4cm9MdUl2VVI5TnJTQkdaSTFJWkt0Y1RNVGk1UzBLWjJ3UzVyN1B1WHpGWFowS2xXWDNhYTVId19hVGNUMW9wZ3VQeXBreG5TMA?oc=5) · The Business Journals
- 2025-11-18 [Wichita police notified after skimming devices found at two Meritrust Credit Union locations - kake.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxORVBmMGhsVV9jR1RqeF83bks3empXZDVJRU9maEhtZS1HaFpxQVRnX0FWbE1nd1RTMjVVbTRaaHNWNGZVNXV2R3JBb0ZHSmF4QTJOTWRnUnJyM2RkR3BlNzZKR1Bha2FxSlNaQ2tYakcwczBwRl9qdjBrMmR3NGo1MGs4MWhqa2tGQ2ZqQUN6YlRFYXEwN1VfQmdSLUVEQ1Z5c1BVQWxIT3Zic2hXdmlNRUxnaGR5RFNVUWowZWl0cUI3d3Y4MkUyeXdoTVRwVGFfWGNCOURYSFhxRmFzcmd4aDQ5dVFDN2lJZzc0V3UzaDFJX0ZUa3JzejltblI?oc=5) · kake.com
- 2025-05-22 [Credit Union of America awards $24,000 in scholarships - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxNMnZSa0g0Sk9lYlloR0JwYjkzcEo4RFdMbnhvOGY2M2xybUpjaGxfcC02YVlpYjZzTjBtVXR4U3RORklhOXE5cVpTWWtlLVhGRWFCSWUtRTV3VHlvSzBfUnphbGxkVFJWZVFOTGtmQUdRY201QUNsNmdKenh2UnY3dlh5cUNRVDNqZmJWYnZPMUtfdk0zZUNKeQ?oc=5) · CUInsight
- 2025-12-16 [Meet a member of the WBJ’s 2025 Power 50: James Nastars - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxNT3daS3hkZEprSUMwX2VFVmRuVmlUeldZQWNaNThUR1FUQjVVUnJZRWVtY2MxeXY5SlQ2eGhFaE1lNUZWeUNxRkoySF80VEhVTS1pMldjSDdlN05STnhOVjZIOC0tdnJDeHl6Vk9tU2FCNk42NVIyd05SeXM2YnRFOFllRDlYaEllTi0tNg?oc=5) · The Business Journals
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Kansas - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUi1lQklMRTNxZVFSdTViLWs1d3JzamdnWjRjNGpoRjNZZzI3YzZ5UndMQ3hoeWloUnNyaU9neFNBbldvVUd0RDFmQTVOOTVBTnFweWVVZjQydnlvSFZ4b0RPX1cyaFNkRzRXVWs0LWllbVg4QlhXS3hVZVhzZHdGOE8zeGFtUnM1dFo0LQ?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3907 (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/3.json (key "3907", 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=3907
- 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.

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