State credit union · Toccoa, Georgia · NCUA charter #67564
The Wright
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $16.1M
- Total assets
- 1,804
- Members
- 16.8%
- Net-worth ratio
The Wright scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.1M; members 1,804; net-worth ratio 16.81%; health rank #1,051 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,051 of 4,374 health · 2025Q4The Wright · health 90/100 · $16.1M · 2025Q4
Call Report peers
The Wright in the assets neighbourhood
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The Wright vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Wright sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
The Wright: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 77.82% here, 59.80% peer average (+18.02 pp).
- Largest lag: Return on Assets at 0.15% vs peer 0.70% (-0.55 pp).
Georgia standing for The Wright
- In Georgia, health place is #24 of 74 on the same NCUA-ratio sort used nationally.
- By total assets, The Wright is #51 of 74 in Georgia.
- Member book place in Georgia: #49 of 74.
- One place up in Georgia, Coosa Valley (#23) scores 91/100, 1 point higher; one place down, Midsouth Community (#25) ties at 90/100.
The Wright: 2025Q4 → 2026Q1
The Wright: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $16.1M (2025Q4) to $16.4M (2026Q1).
- Net-worth ratio shifted -0.14 pp (16.95% → 16.81%).
This credit union's 16.81% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
The Wright gives up 10 points in total. Return on Assets costs the most, 5.2 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.8 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.81% | +1.95 pp |
| Delinquency Rate | 0.35% | -0.79 pp |
| Return on Assets | 0.15% | -0.55 pp |
| Member Growth | 0.89% | - |
| Loan-to-Share Ratio | 77.82% | +18.02 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
The Wright filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.4M | - |
| 2025Q4 | $16.1M | 1,804 |
| 2024Q4 | $16.4M | 1,788 |
| 2023Q4 | $16.6M | 1,776 |
Credit Union Details
- Charter Number
- 67564
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Toccoa
- Data Quarter
- 2025Q4
Branch Locations (2)
The Wright operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| The Wright Credit Union (Main Office) | Toccoa, GA |
| The Wright Credit Union | Lavonia, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- The Wright ranks #1,051 of 4,374 nationally on financial health and #24 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Combined Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Combined Employees
Frequently Asked Questions
Is The Wright financially healthy?
On its 2025Q4 NCUA 5300 filing, The Wright scores 90/100 (Excellent), with a 16.81% net worth ratio and 0.35% of loans delinquent. It ranks #1,051 of 4,374 nationally on health and #24 of 74 in Georgia.
How does The Wright compare to other credit unions?
The Wright scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.82% vs 59.80%). Its widest shortfall is return on assets (0.15% vs 0.70%).
How can I join The Wright?
Membership eligibility for The Wright depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The Wright directly for current membership requirements and application steps.
Is my money safe at The Wright?
The Wright is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. The Wright's net worth ratio of 16.81% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.