TellerScore

Wheatland Federal Credit Union (NCUA charter #1658) is based in Lancaster, Pennsylvania. Its Q2 2026 call report shows $69.9M in total assets and $63.7M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Wheatland Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 32% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 197th. Its strongest component is funding & liquidity (100/100; 60% loans-to-deposits, 2% uninsured), and its lowest is capital cushion (36/100; 8.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.59%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity100/100
Loans ÷ shares: 59.8% · 1.6% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.49%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (63 → 66), mostly because the loan quality component improved by 7 points.

TellerScore
515966Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202451
Q3 202455
Q4 202460
Q1 202562
Q2 202563
Q3 202566
Q4 202565
Q1 202662
Q2 202666
Net worth ratio
7.00%7.93%8.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.14%
Q3 20248.31%
Q4 20248.42%
Q1 20258.16%
Q2 20258.34%
Q3 20258.68%
Q4 20258.87%
Q1 20268.61%
Q2 20268.59%
Delinquent loans (60+ days)
0.24%0.58%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.93%
Q3 20240.72%
Q4 20240.49%
Q1 20250.38%
Q2 20250.46%
Q3 20250.32%
Q4 20250.48%
Q1 20260.67%
Q2 20260.24%
Return on assets
-0.02%0.28%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.02%
Q3 20240.15%
Q4 20240.33%
Q1 20250.33%
Q2 20250.58%
Q3 20250.57%
Q4 20250.50%
Q1 20260.39%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$69.9M8.59%0.24%0.45%59.8%
Q1 202662$70.0M8.61%0.67%0.39%59.9%
Q4 202565$67.1M8.87%0.48%0.50%63.6%
Q3 202566$68.1M8.68%0.32%0.57%63.0%
Q2 202563$69.9M8.34%0.46%0.58%64.4%
Q1 202562$71.1M8.16%0.38%0.33%64.4%
Q4 202460$68.2M8.42%0.49%0.33%70.5%
Q3 202455$67.3M8.31%0.72%0.15%75.9%
Q2 202451$67.7M8.14%0.93%-0.02%79.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.59%
7th
Problem loans0.24%
72nd
Net charge-offs0.11%
57th
Return on assets0.45%
39th
Loans to deposits59.8%
49th
Uninsured deposits1.6%
48th
Loan-loss reserves0.00%
37th
Texas ratio1.5%
58th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs
Access Credit UnionCredit union Bristol, PA78 out of 100, Strong$70.3M11.8%0.16%vs
Friendly Federal Credit UnionCredit union Aliquippa, PA63 out of 100, Moderate$69.1M17.0%4.66%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
Spirit Financial Credit UnionCredit union Levittown, PA76 out of 100, Strong$67.7M13.4%0.41%vs
Galaxy Federal Credit UnionCredit union Franklin, PA85 out of 100, Very strong$72.6M17.3%0.27%vs

Deposit insurance

Is my money safe at Wheatland Federal Credit Union?

Yes. Wheatland Federal Credit Union is a federally insured credit union (NCUA charter #1658). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.6% of shares and deposits ($1.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.59%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Wheatland Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wheatland Federal Credit Union
Type
Federal credit union
NCUA charter #
1658
RSSD ID
361176
Primary regulator
NCUA
Established
1936
Headquarters
611 Centerville Rd, Lancaster, PA 17601
Employees
19

Quick answers

Wheatland Federal Credit Union: common questions

Is Wheatland Federal Credit Union NCUA insured?

Yes. Wheatland Federal Credit Union is a federally insured credit union (NCUA charter #1658). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Wheatland Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Wheatland Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lancaster

InstitutionScoreAssetsCapitalProblem loansCompare
Lancaster Red Rose Credit UnionCredit union Leola, PA92 out of 100, Very strong$54.8M14.9%0.61%vs
Glatco Credit UnionCredit union Spring Grove, PA90 out of 100, Very strong$54.1M16.2%0.79%vs
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
Pagoda Federal Credit UnionCredit union Reading, PA87 out of 100, Very strong$32.6M12.0%0.31%vs
First Capital Federal Credit UnionCredit union York, PA81 out of 100, Strong$368.5M11.9%0.20%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs