Credit union · NCUA insured
Wheat State Credit Union
A $22.5M credit union headquartered in Wichita, KS, with 3,749 members and 2 branches in Kansas. Best rates: CDs 3.00% and savings 0.50% APY.
Wheat State Credit Union Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#23 of 39 in Wichita, KS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wheat State Credit Union
Chartered in 1963 and based in Wichita, Kansas, Wheat State Credit Union is a member-owned nonprofit financial cooperative.
Originally chartered as St. Joseph Hospital Employees' Credit Union, it was renamed Medical Community Credit Union in 1998 and became Wheat State Credit Union in 2015.
- Headquarters
- 1400 S Oliver Ave, Wichita, KS 67218-3226
- NCUA charter
- 63211
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to people who reside in, worship in, or whose place of employment is in Sedgwick, Riley, Geary, Sumner, Harper, Kingman, McPherson, Pratt, Stafford, Butler, Harvey, Marion, Dickinson, Cowley, Barber, Reno, Chase, Morris, Clay, or Cloud, or Rice county in Kansas.
Employers and groups
- Membership is open to all employees of any Kansas organization or its subsidiaries whose main endeavor is the delivery of healthcare.
Family and household
- Membership is open to spouses, children, stepchildren, parents, stepparents, grandparents, grandchildren, and siblings of a WSCU member.
Cost to join
- A minimum deposit of $25 is required to open a share account.
Branches
2 branches in Kansas
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Kansas
2 branches
- Wheat State CU MainMain office1400 S Oliver Ave, Wichita, KS 67218Directions
- West ST.762 N West ST, Wichita, KS 67203Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.64% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.04% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.24% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $99 | $59 | — |
- CapitalNet worth ratio8.64%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.04%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.24%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$99Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Wheat State Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.