Wheat State Federal Credit Union

Headquarters: Wichita, Kansas
Charter: Credit Union
Assets: $22.1M
Fed district: Kansas City
Regulator: NCUA

Explore Hamilton View published fees

Compared with Kansas

5 of 16

compared fees are above the median.

6 below, 5 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
97th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Kansas median
of 16 compared; 6 below, 5 about the same
See the fees
Fee schedule read Oct 11, 2026

How these figures are measured

Call-report figures are for Wheat State Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out.	NCUA 5300 call report Account 131 / (Account 115 + Account 117)	Q2 2026 Year to date	Not recorded
Fees above the Kansas median	Published fees above the Kansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Wheat State Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Wheat State Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was 24% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (97th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $130K in Q2 2026, 6.6% above the same quarter a year earlier ($122K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 16 compared published fees sit above the Kansas median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Kansas medians for fees published by banks and credit unions.

Non-Network ATM
Wheat State Federal Credit Union: $1
Wheat State Federal Credit Union: $1
Kansas median: $236 publishKansas City district median: $1.50166 publishU.S. median: $1.501,650 publish
Overdraft (OD)
Wheat State Federal Credit Union: $28
Wheat State Federal Credit Union: $28
Kansas median: $27.5063 publishKansas City district median: $29273 publishU.S. median: $302,601 publish
NSF / Returned Item
Wheat State Federal Credit Union: $28
Wheat State Federal Credit Union: $28
Kansas median: $2557 publishKansas City district median: $28271 publishU.S. median: $302,858 publish

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Kansas: Banks and credit unions headquartered in Kansas that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income was about level from Q3 2025 to Q2 2026, at $130K. Its share of revenue, 24%, is above the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$130K

$129KQ3 2025

$129KQ4 2025

$131KQ1 2026

$130KQ2 2026

Against the median (KS for fees)

Share of revenue24% / 7.2%
Overdraft$28 / $27.50
Non‑network ATM$1 / $2

Wheat State Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do waivers and balance requirements change what most customers actually pay?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Wheat State Federal Credit Union · $22M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Credit unions only
$21M to $23M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Wheat State Federal Credit Union(this institution)	Wichita, KS	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
American Pride Federal Credit Union	Altoona, PA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chelsea Employees Federal Credit Union	Chelsea, MA	$21M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Coopers Cave Federal Credit Union	Glens Falls, NY	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Electrical Workers Local 58 Federal Credit Union	Detroit, MI	$21M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Encentus Federal Credit Union	Tulsa, OK	$21M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Essex County Teachers Federal Credit Union	Bloomfield, NJ	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Express Federal Credit Union	Seattle, WA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Fayette County School Employees Federal Credit Union	Uniontown, PA	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Glynn County Federal Employees	Brunswick, GA	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ibew/Sj Cascade Federal Credit Union	Salem, OR	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Local 804 Federal Credit Union	Port Washington, NY	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Mclennan County Employees Federal Credit Union	Waco, TX	$22M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mcmurrey Federal Credit Union	Tyler, TX	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Members 1St Federal Credit Union	Brattleboro, VT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Metro North Federal Credit Union	Jacksonville, FL	$22M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mopac Employees Federal Credit Union	Palestine, TX	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Niagara-Wheatfield Federal Credit Union	Sanborn, NY	$21M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Novo Federal Credit Union	Norco, CA	$21M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Special Metals Federal Credit Union	New Hartford, NY	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
St. Vincent'S Medical Center Federal Credit Union	Bridgeport, CT	$21M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Steel Valley Federal Credit Union	Cleveland, OH	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tandem Federal Credit Union	Warren, MI	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Churches Federal Credit Union	Taylor, MI	$22M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Warren Municipal Federal Credit Union	Warren, MI	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Penn P&P Federal Credit Union	Beaver, PA	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(out-of-network atm)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Out-of-network ATM is $0.50 (33%) below the median of similar-sized credit unions.

Compared at $1, the middle of its two prices, against a peer median of $1.50 among 12 publishing peers.

Its two prices are $1 and $1.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Wheat State Federal Credi…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $5.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's out-of-network atm fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Wheat State Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $130K
vs prior quarter: −$1K−0.8%; from Q1 2026
vs a year earlier: +$8K+6.6%; from Q2 2025
vs start of range: +$12K+10.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Wheat State Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$130K	−$1K	−0.8%
Q1 2026	$131K	+$2K	+1.6%
Q4 2025	$129K	$0	0.0%
Q3 2025	$129K	+$7K	+5.7%
Q2 2025	$122K	+$7K	+6.1%
Q1 2025	$115K	−$4K	−3.4%
Q4 2024	$119K	+$1K	+0.8%
Q3 2024	$118K	+$6K	+5.4%

Fee-income share against its size cohort

Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Wheat State Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Wheat State Federal Credit Union: 24%
Percentile: 97th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Wheat State Federal Credit Union 23.8%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to Wheat State Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

Amounts from Wheat State Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Early Closure Fee$20
Inside the U.S. middle 50% ($10 to $25 nationally)
Abandoned Account$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Inactive Account$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail/Bad Address$10
Above the U.S. middle 50% ($5 to $7.50 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Fee	$20Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Abandoned Account	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Inactive Account	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail/Bad Address	$10Above the U.S. middle 50% ($5 to $7.50 nationally)	Not stated	None
Overdraft & NSF
Debit Card Overdraft fee	$28Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Overdraft fee	$28Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Insufficient Funds fee	$28Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
Return item	$28Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Foreign ATM fee-checking	$1Inside the U.S. middle 50% ($1 to $2 nationally)	per item	None
Foreign ATM fee-share account	$1Inside the U.S. middle 50% ($1 to $2 nationally)	per item	None
ATM/Debit Card Reissue	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Wire Transfers
Outgoing Wire Transfer	$15Below the U.S. middle 50% ($20 to $25 nationally)	per item	None
Check Services
Money Order	$3Inside the U.S. middle 50% ($2 to $3 nationally)	per item	None
Stop Payment fee	$28Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Item Sent for Collection	$5Below the U.S. middle 50% ($10 to $26 nationally)	Not stated	None
Check Copy	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Cash & Deposit
Deposit Item Returned	$10Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
3x5=	$10Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
5x10=	$45Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Late charge on rental	$25Not compared: Box drilling or key fee	Not stated	None
Legal Process	$15Below the U.S. middle 50% ($50 to $150 nationally)	per item	None
Other Fees
Statement Copy	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None

Showing 5 of 24 fees.

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Wheat State Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

2 offices in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Wichita, KS

Largest competitors nearby

Local market: Sedgwick county, KS, around its headquarters.

46 in its local market	Deposit share
Bank of America, National Association	21.9%
Intrust Bank, National Association	19.3%
Fidelity Bank, National Association	11.5%
Emprise Bank	9.1%
Equity Bank	6%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Wheat State Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Out-of-network ATM is $0.50 (33%) below the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Wheat State Federal Credit Union changes in our data

Wheat State Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Out-of-network ATM is $0.50 (33%) below the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Wheat State Federal Credit Union changes in our data