State credit union · Toccoa, Georgia · NCUA charter #67564
The Wright
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $16.1M
- Total assets
- 1,804
- Members
- 14.5%
- Net-worth ratio
The Wright - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67564: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
The Wright - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)65
- Member growth67
- Liquidity (loan-to-share)100
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.48% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.48% | 30% |
| Delinquency Rate | 0.35% | 25% |
| Return on Assets | 0.15% | 15% |
| Member Growth | 0.89% | 15% |
| Loan-to-Share Ratio | 77.82% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About The Wright
1,804 members and $16.1M in total assets sit behind The Wright, a state credit union in Toccoa, Georgia, which posts a health score of 90/100 (Excellent) on the five-factor composite, with $10.5M in outstanding loans as of Q4 2025 and a net worth ratio of 14.48% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67564 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 77.82% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.35% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.15% on net income of $25K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.89%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is The Wright financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, The Wright carries a financial health score of 90/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.48% net worth ratio and a 0.35% delinquency rate.
How does The Wright compare to other credit unions?
On PlainCU's health composite, The Wright lands at 90/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like The Wright are 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 14.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Wright offer compared to banks?
Credit unions like The Wright are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact The Wright directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.