State credit union · Beavercreek, Ohio · NCUA charter #66328
Wright-Patt Credit Union, Inc.
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $9.56B
- Total assets
- 527,289
- Members
- 10.9%
- Net-worth ratio
Wright-Patt Credit Union, Inc. scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.56B; members 527,289; net-worth ratio 10.89%; health rank #1,478 of 4,374; healthier than 65th of scored peers.
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NCUA 5300 Call Report Masthead
#1,478 of 4,374 health · 2025Q4Wright-Patt · health 88/100 · $9.56B · 2025Q4
Call Report peers
Wright-Patt Credit Union, Inc. in the assets neighbourhood
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Wright-Patt Credit Union, Inc. vs every NCUA-scored credit union
Wright-Patt Credit Union, Inc. sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Wright-Patt Credit Union, Inc.: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 0.60% vs peer 0.51% (+0.09 pp).
- Loan-to-Share Ratio trails the peer set - 83.37% here, 83.90% peer average (-0.53 pp).
Wright-Patt Credit Union, Inc. in Ohio
- In Ohio, health place is #69 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, Wright-Patt Credit Union, Inc. is #1 of 196 in Ohio.
- Member book place in Ohio: #1 of 196.
- One place up in Ohio, Ohio Valley Community (#68) ties at 88/100; one place down, Your Legacy (#70) ties at 88/100.
Wright-Patt Credit Union, Inc.: 2025Q4 → 2026Q1
Wright-Patt Credit Union, Inc.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $9.56B (2025Q4) to $9.61B (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.74% → 10.89%).
At 10.89%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Wright-Patt Credit Union, Inc. gives up 12 points in total. Delinquency Rate costs the most, 7 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 14.6 pts
Wright-Patt health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.89% | -0.29 pp |
| Delinquency Rate | 1.27% | +0.39 pp |
| Return on Assets | 0.60% | +0.09 pp |
| Member Growth | 1.17% | - |
| Loan-to-Share Ratio | 83.37% | -0.53 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Wright-Patt Credit Union, Inc. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.61B | - |
| 2025Q4 | $9.56B | 527,289 |
| 2024Q4 | $9.07B | 521,206 |
| 2023Q4 | $8.33B | 503,041 |
Credit Union Details
- Charter Number
- 66328
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Ohio
- City
- Beavercreek
- Data Quarter
- 2025Q4
Branch Locations (40)
Wright-Patt Credit Union, Inc. operates 40 offices across 25 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate (Main Office) | Beavercreek, OH |
| Beavercreek | Beavercreek, OH |
| Corporate Annex | Beavercreek, OH |
| Canal Winchester | Canal Winchester, OH |
| Cross Pointe | Centerville, OH |
| Greenhills | Cincinnati, OH |
| Englewood | Clayton, OH |
| Grandview Yard | Columbus, OH |
| Graceland | Columbus, OH |
| Polaris | Columbus, OH |
| Mad River Station | Dayton, OH |
| Downtown Dayton | Dayton, OH |
| Northwest | Dayton, OH |
| Twin Towers | Dayton, OH |
| Wright State University | Dayton, OH |
| Brandt Pike | Dayton, OH |
| West Dayton | Dayton, OH |
| Cornerstone | Dayton, OH |
| Vandalia | Dayton, OH |
| Columbus Regional | Dublin, OH |
| Five Points | Fairborn, OH |
| Gantt Financial Center | Fairborn, OH |
| Gahanna | Gahanna, OH |
| Grove City | Grove City, OH |
| Hilliard | Hilliard, OH |
| Huber Heights | Huber Heights, OH |
| Kettering | Kettering, OH |
| Norwood | Norwood, OH |
| Piqua | Piqua, OH |
| Reynoldsburg | Reynoldsburg, OH |
| Springboro | Springboro, OH |
| Springfield | Springfield, OH |
| Troy | Troy, OH |
| Lane Avenue | Upper Arlington, OH |
| Urbana | Urbana, OH |
| Wilmington | Wilmington, OH |
| Area A | WPAFB, OH |
| Area B | WPAFB, OH |
| Area C | WPAFB, OH |
| Xenia | Xenia, 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.
Wright-Patt Credit Union, Inc. nationwide neighbourhoods
Using this data
- Wright-Patt Credit Union, Inc. ranks #1,478 of 4,374 nationally on financial health and #69 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- General Electric is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with General Electric
Frequently Asked Questions
Is Wright-Patt Credit Union, Inc. financially healthy?
On its 2025Q4 NCUA 5300 filing, Wright-Patt Credit Union, Inc. scores 88/100 (Excellent), with a 10.89% net worth ratio and 1.27% of loans delinquent. It ranks #1,478 of 4,374 nationally on health and #69 of 196 in Ohio.
How does Wright-Patt Credit Union, Inc. compare to other credit unions?
Wright-Patt Credit Union, Inc. scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.60% vs 0.51%). Its widest shortfall is loan-to-share ratio (83.37% vs 83.90%).
How can I join Wright-Patt Credit Union, Inc.?
Membership eligibility for Wright-Patt Credit Union, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wright-Patt Credit Union, Inc. directly for current membership requirements and application steps.
Is my money safe at Wright-Patt Credit Union, Inc.?
Wright-Patt Credit Union, Inc. is a state-chartered 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-Patt Credit Union, Inc.'s net worth ratio of 10.89% 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.