Federal credit union · Dayton, Ohio · NCUA charter #96691
Wright-Dunbar Area
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $370K
- Total assets
- 299
- Members
- 18.3%
- Net-worth ratio
Wright-Dunbar Area scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $370K; members 299; net-worth ratio 18.27%; health rank #4,157 of 4,374; healthier than 5th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,157 of 4,374 health · 2025Q4Wright-Dunbar Area · health 56/100 · $370K · 2025Q4
Call Report peers
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Wright-Dunbar Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Wright-Dunbar Area sits in 55-59 with 115 others.
56 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Wright-Dunbar Area: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 0.28% vs peer 0.22% (+0.06 pp).
- Delinquency Rate trails the peer set - 22.05% here, 4.48% peer average (+17.57 pp).
Ohio standing for Wright-Dunbar Area
- Health composite ranks #184 of 196 among scored Ohio credit unions.
- By total assets, Wright-Dunbar Area is #193 of 196 in Ohio.
- Ohio membership ordinal: #190 of 196.
- One place up in Ohio, Greater Cleveland Community (#183) ties at 56/100; one place down, FIRESTONE (#185) scores 55/100, 1 point lower.
Wright-Dunbar Area Call Report trajectory
Wright-Dunbar Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.3% from $370K (2025Q4) to $365K (2026Q1).
- Net-worth ratio shifted +0.52 pp (17.75% → 18.27%).
At 18.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 56/100 score is built
Wright-Dunbar Area gives up 44 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 11.7 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.27% | -4.66 pp |
| Delinquency Rate | 22.05% | +17.57 pp |
| Return on Assets | 0.28% | +0.06 pp |
| Member Growth | -2.61% | - |
| Loan-to-Share Ratio | 48.71% | -3.99 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Wright-Dunbar Area quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $365K | - |
| 2025Q4 | $370K | 299 |
| 2024Q4 | $419K | 307 |
| 2023Q4 | $428K | 323 |
Credit Union Details
- Charter Number
- 96691
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Ohio
- City
- Dayton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Wright-Dunbar Area.
| Office | City |
|---|---|
| WRIGHT-DUNBAR AREA CREDIT UNION OFFICE (Main Office) | Dayton, OH |
| Coriinthian Branch | Dayton, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Wright-Dunbar Area
Using this data
- Wright-Dunbar Area ranks #4,157 of 4,374 nationally on financial health and #184 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cleveland Church of Christ is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cleveland Church of Christ
Frequently Asked Questions
Is Wright-Dunbar Area financially healthy?
Wright-Dunbar Area has a financial health score of 56/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,157 of 4,374 nationally on health and #184 of 196 in Ohio. Its net worth ratio is 18.27% and its delinquency rate 22.05%.
How does Wright-Dunbar Area compare to other credit unions?
Wright-Dunbar Area scores 56/100, higher than 5% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is return on assets (0.28% vs 0.22%). Its widest shortfall is delinquency rate (22.05% vs 4.48%).
How can I join Wright-Dunbar Area?
Membership eligibility for Wright-Dunbar Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wright-Dunbar Area directly for current membership requirements and application steps.
Is my money safe at Wright-Dunbar Area?
Wright-Dunbar Area is a federal 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. Wright-Dunbar Area's net worth ratio of 18.27% 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.