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
- MEM 56/100
- RANK 18.3%
- PHOTO 22.05%
- BOOK 0.28%
- CHARTER $370K
- NCUSIF 299
- CAMELS #4,157/4,374
- HEALTH n/a
- NW 96691
Call Report peers
Wright-Dunbar Area carries $370K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wright-Dunbar Area 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
56 5th percentile higher than 5% 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
Wright-Dunbar Area - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #96691: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Wright-Dunbar Area Call Report trajectory
Wright-Dunbar Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.3% from $370K (2025Q4) to $365K (2026Q1).
- Net-worth ratio shifted +0.52 pp (17.75% → 18.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 56.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Two NCUA Call Report peer sets for Wright-Dunbar Area, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (56/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Wright-Dunbar Area financially healthy?
Wright-Dunbar Area has a financial health score of 56/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,157 of 4,374; by total assets it ranks #4,320 of 4,374 nationally (same basis as /rankings/largest); and #193 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.27% and delinquency rate of 22.05%.
How does Wright-Dunbar Area compare to other credit unions?
Wright-Dunbar Area scores 56/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Wright-Dunbar Area 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. Wright-Dunbar Area's net worth ratio of 18.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wright-Dunbar Area offer compared to banks?
Credit unions like Wright-Dunbar Area 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 Wright-Dunbar Area 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.