The Wright Credit Union
Total assets
$16.4M
▼ -4.4% YoY
Shares & deposits
$13.6M
▼ -6.1% YoY
Loans
$10.5M
▲ +8.2% YoY
Members
1,820
▲ +1.4% YoY
ROA (annualized)
0.56%
peers 0.60%
ROE (annualized)
3.33%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +1.3% | -5.7 pts |
| Share growth (YoY) | -6.1% | +0.7% | -6.7 pts |
| Loan growth (YoY) | +8.2% | -2.4% | +10.6 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
Profile
- Established
- 1963
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 238, Toccoa, GA, 30577
- NCUA charter #
- 67564
- RSSD ID
- 1226311
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.4M | $13.6M | $10.5M | $2.8M | $23K | 0.56% | 5.87% | 1.92% | 1,820 |
| Q4 2025 | $16.1M | $13.5M | $10.5M | $2.7M | $98K | 0.60% | 6.00% | 0.35% | 1,804 |
| Q3 2025 | $16.4M | $13.7M | $10.4M | $2.8M | $85K | 0.69% | 5.86% | 1.23% | 1,800 |
| Q2 2025 | $17.0M | $14.2M | $10.0M | $2.8M | $54K | 0.63% | 5.50% | 1.28% | 1,790 |
| Q1 2025 | $17.2M | $14.5M | $9.7M | $2.7M | $26K | 0.60% | 5.38% | 0.72% | 1,795 |
| Q4 2024 | $16.4M | $13.7M | $10.0M | $2.7M | $25K | 0.15% | 5.75% | 0.85% | 1,788 |
| Q3 2024 | $16.8M | $14.0M | $10.1M | $2.8M | $47K | 0.37% | 5.63% | 3.34% | 1,824 |
| Q2 2024 | $16.8M | $13.9M | $10.2M | $2.9M | $14K | 0.17% | 5.69% | 3.45% | 1,823 |
Loan mix (Q1 2026): real estate $3.9M · commercial $203K · consumer $5.6M · securities $2.9M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | The Wright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.87% | 3.83% | 96th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 81.5% | 53th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | The Wright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | The Wright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | The Wright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | The Wright Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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