Federal credit union · Dayton, Ohio · NCUA charter #96691
Wright-dunbar Area
Health score 56/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $370K
- Total assets
- 299
- Members
- 13.3%
- Net-worth ratio
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 - 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)0
- Earnings (ROA)78
- Member growth29
- Liquidity (loan-to-share)69
Weighted composite: 56/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.32% | 30% |
| Delinquency Rate | 22.05% | 25% |
| Return on Assets | 0.28% | 15% |
| Member Growth | -2.61% | 15% |
| Loan-to-Share Ratio | 48.71% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Wright-dunbar Area
Headquartered in Dayton, Ohio, Wright-dunbar Area is a federal credit union with 299 members, $370K in total assets, and $147K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 56/100 (Fair), driven in part by a net worth ratio of 13.32% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #96691 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 22.05% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Meanwhile a 48.71% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.28% on net income of $1K 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 -2.61%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.32% 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 13.32% 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.
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.