Wright-Dunbar Area Credit Union, Inc. Dayton, Ohio
Wright-Dunbar Area Credit Union, Inc. is a state-chartered credit union headquartered in Dayton, OH (NCUA charter 96691), and it is regulated and insured by the NCUA. At Q2 2026 it reported 308 members and total assets of $360K (down 5.1% from Q2 2025), the 189th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 18.47% at Q2 2026, in the well capitalized band.
BankRegReports is independent of Wright-Dunbar Area Credit Union, Inc. and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 96691
- Headquarters
- Dayton, OH
- Established
- Not reported
- Total assets, Q2 2026
- $360K
- Assets vs Q2 2025
- -5.1%
- Members, Q2 2026
- 308
- Net worth ratio, Q2 2026
- 18.47%
- Latest call report
- Q2 2026, NCUA 5300 · Wright-Dunbar Area Credit Union, Inc. call report
- Asset rank in state
- 189th of 191 in Ohio
- Routing number
- 242277785
- Branches
- 2
It has 1 fewer member than on June 30, 2025 (-0.3%). Its net worth ratio was up 0.93 percentage points from 17.54% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $73K of $124K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 24.93% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.47% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Ohio
Frequently asked about Wright-Dunbar Area Credit Union, Inc.
How big is Wright-Dunbar Area Credit Union, Inc.?
At Q2 2026 it reported total assets of $360K and 308 members.
Where is Wright-Dunbar Area Credit Union, Inc. headquartered?
It is headquartered in Dayton, OH, United States.
Is Wright-Dunbar Area Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 96691): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Wright-Dunbar Area Credit Union, Inc.?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Wright-Dunbar Area Credit Union, Inc. well capitalized?
Its net worth ratio was 18.47% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Wright-Dunbar Area Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 24.93% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Wright-Dunbar Area Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 42.87% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Dayton, OH 45402
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 96691
- RSSD ID
- 205793
- Members
- 308
- Potential members
- 4,200
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.47% | 14.31% | 71st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.21% | 0.72% | 18th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -1.16% | 4.74% | 19th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.88% | 3.93% | 48th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 105.29% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.16% | 0.78% | 89th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 24.93% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.04% | 4.70% | 20th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 42.87% | 58.92% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$360K total assets against $379K; $290K total shares and deposits against $310K; $124K total loans against $159K.
$66K net worth against $67K.
18.47% net worth ratio against 17.54%.
42.87% loan-to-share ratio against 51.18%.
24.93% delinquency ratio.
-0.21% return on assets against -0.02%; -1.16% return on equity against -0.13%.
3.88% net interest margin against 3.36%.
308 members against 309.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.47% | -0.21% | 24.93% | 42.87% |
| March 31, 2026 | 18.27% | 1.14% | 16.12% | 45.71% |
| December 31, 2025 | 17.75% | -3.53% | 22.05% | 48.71% |
| September 30, 2025 | 17.95% | -0.70% | 2.57% | 52.35% |
| June 30, 2025 | 17.54% | -0.02% | — | 51.18% |
| March 31, 2025 | 16.52% | -0.23% | — | 52.73% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.