State credit union · Beavercreek, Ohio · NCUA charter #66328
Wright-patt Credit Union, Inc.
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $9.56B
- Total assets
- 527,289
- Members
- 10.7%
- Net-worth ratio
Wright-patt Credit Union, Inc. - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66328, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Wright-patt Credit Union, Inc. - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)72
- Earnings (ROA)100
- Member growth69
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.72% | 30% |
| Delinquency Rate | 1.27% | 25% |
| Return on Assets | 0.60% | 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.
Charter #66328, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Wright-patt Credit Union, Inc., a state credit union in Beavercreek, Ohio with 527,289 members, $9.56B in total assets, and $6.73B in outstanding loans as of Q4 2025. The five-factor composite scores it 88/100 (Excellent), helped by a net worth ratio of 10.72% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 83.37% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.27% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.60% on net income of $57.4M 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 1.17%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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-patt Credit Union, Inc. financially healthy?
A 10.72% net worth ratio and a 1.27% delinquency rate feed into Wright-patt Credit Union, Inc.'s financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Wright-patt Credit Union, Inc. compare to other credit unions?
88/100 is Wright-patt Credit Union, Inc.'s score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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.
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.