Wright-Patt Credit Union, Inc. Credit Union
Total assets
$9.61B
▲ +2.4% YoY
Shares & deposits
$8.17B
▲ +3.6% YoY
Loans
$6.73B
▲ +2.1% YoY
Members
525,908
▲ +0.3% YoY
ROA (annualized)
0.82%
peers 0.71%
ROE (annualized)
7.51%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +5.1% | -2.7 pts |
| Share growth (YoY) | +3.6% | +4.9% | -1.3 pts |
| Loan growth (YoY) | +2.1% | +5.4% | -3.4 pts |
| ROA | 0.82% | 0.71% | +0.1 pts |
| ROE | 7.5% | 6.3% | +1.2 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
Profile
- Established
- 1932
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 3560 Pentagon Blvd, Beavercreek, OH, 45431
- NCUA charter #
- 66328
- RSSD ID
- 368492
- 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 | $9.61B | $8.17B | $6.73B | $1.05B | $19.6M | 0.82% | 3.50% | 1.16% | 525,908 |
| Q4 2025 | $9.56B | $8.07B | $6.73B | $1.03B | $74.2M | 0.78% | 3.53% | 1.27% | 527,289 |
| Q3 2025 | $9.38B | $7.90B | $6.92B | $1.02B | $60.0M | 0.85% | 3.55% | 1.13% | 530,264 |
| Q2 2025 | $9.35B | $7.87B | $6.78B | $998.8M | $39.8M | 0.85% | 3.50% | 1.19% | 527,379 |
| Q1 2025 | $9.38B | $7.88B | $6.59B | $973.9M | $14.9M | 0.63% | 3.39% | 1.05% | 524,207 |
| Q4 2024 | $9.07B | $7.63B | $6.57B | $959.0M | $57.4M | 0.63% | 3.31% | 1.27% | 521,206 |
| Q3 2024 | $8.82B | $7.37B | $6.48B | $959.3M | $51.2M | 0.77% | 3.35% | 0.94% | 520,736 |
| Q2 2024 | $8.70B | $7.23B | $6.31B | $941.7M | $33.6M | 0.77% | 3.32% | 0.89% | 515,301 |
Loan mix (Q1 2026): real estate $3.02B · commercial $951.1M · consumer $2.47B · securities $2.25B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.71% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.3% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.32% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 73.0% | 17th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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