Credit Union
WRIGHT-PATT CREDIT UNION, INC.
Health Score
68/100
Total Assets
$9.56B
Members
527,289
Beavercreek, Ohio
2026 data Public-data reference. official source

WRIGHT-PATT CREDIT UNION, INC.

Open-data reference.

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Beavercreek, Ohio · Charter #66328 · State Credit Union
68
Health Score
Good

Health Score

68/100

PlainCU 5-factor composite (NCUA 5300 Call Report)

Charter #

66328

NCUA-issued institution identifier

Source

NCUA

Quarterly 5300 Call Report — 2025Q4

WRIGHT-PATT CREDIT UNION, INC. — Share Insurance Coverage

Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.

NCUSIF coverage gauge for WRIGHT-PATT CREDIT UNION, INC. Share insurance under NCUSIF covers up to $250,000 per share owner. WRIGHT-PATT CREDIT UNION, INC. holds approximately $8.1B in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 10.7 percent. Share Insurance Coverage Federal NCUSIF — $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 10.7% · $8.1B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 — share insurance under Title II of the Federal Credit Union Act

WRIGHT-PATT CREDIT UNION, INC. — Five Health Pillars

Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.

Health Pillars (0-100)

Health Pillars (0-100) Horizontal bar chart of the top 5 items by value. Health Pillars (0-100) Top 5 1. Net Worth 10.72% 2. Loan Quality 1.27% delinq 3. ROA 0.00% 4. Member Growth 1.17% 5. Liquidity 83% LTS Source: NCUA 5300 Call Report — calculations per PlainCU methodology
Net worth ratio vs. NCUA well-capitalized threshold 71.5%

At 10.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$9.56B
Total Assets
527,289
Members
$6.73B
Total Loans
$8.07B
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 10.72% 30%
Delinquency Rate 1.27% 25%
Return on Assets 0.00% 15%
Member Growth 1.17% 15%
Loan-to-Share Ratio 83.37% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About WRIGHT-PATT CREDIT UNION, INC.

WRIGHT-PATT CREDIT UNION, INC. is a state credit union headquartered in Beavercreek, Ohio, serving 527,289 members with $9.56B in total assets and $6.73B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 68/100 (Good), anchored by a net worth ratio of 10.72% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #66328 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 1.27% measures loans 60+ days past due against total loans outstanding — the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 83.37% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management.

Every deposit account at WRIGHT-PATT CREDIT UNION, INC. is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by 1.17%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other), and current deposit and loan rates should be verified directly with WRIGHT-PATT CREDIT UNION, INC. before opening any account or borrowing.

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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-PATT CREDIT UNION, INC. financially healthy?

WRIGHT-PATT CREDIT UNION, INC. has a financial health score of 68/100 (Good) 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 10.72% and delinquency rate of 1.27%.

How does WRIGHT-PATT CREDIT UNION, INC. compare to other credit unions?

WRIGHT-PATT CREDIT UNION, INC. scores 68/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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-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.?

Federal credit unions like WRIGHT-PATT CREDIT UNION, INC. 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-PATT CREDIT UNION, INC.'s net worth ratio of 10.72% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does WRIGHT-PATT CREDIT UNION, INC. offer compared to banks?

Credit unions like WRIGHT-PATT CREDIT UNION, INC. 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-PATT CREDIT UNION, INC. 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.