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
- BOOK 90/100
- CHARTER 16.8%
- NCUSIF 0.35%
- CAMELS 0.15%
- HEALTH $16.1M
- NW 1,804
- DELQ #1,051/4,374
- ROA CAPE
- ASSETS 67564
Call Report peers
The Wright in the assets neighbourhood
The Wright's $16.1M assets sit next to CAPE ($16.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
The Wright vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: 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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
The Wright: 2025Q4 → 2026Q1
The Wright: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $16.1M (2025Q4) to $16.4M (2026Q1).
- Net-worth ratio shifted -0.14 pp (16.95% → 16.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for The Wright - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,051 of 4,374; by total assets it ranks #3,280 of 4,374 nationally (same basis as /rankings/largest); and #51 of 74 within Georgia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.81% 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 16.81% 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.
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.