Credit Union Safety Analysis
Is Wright-Dunbar Area Credit Union, Inc. Safe? Dayton, Ohio
Based on its Q2 2026 NCUA 5300 call report, Wright-Dunbar Area Credit Union, Inc. has a net worth ratio of 18.47%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 24.93%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Wright-Dunbar Area Credit Union, Inc.'s net worth ratio is 18.47%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.47%
- Delinquency ratio (60+ days) (Q2 2026): 24.93%
- Return on assets (Q2 2026): -0.21%
- Loan-to-share ratio (Q2 2026): 42.87%
Wright-Dunbar Area Credit Union, Inc. (NCUA charter 96691) reported $360K in assets and 308 members for Q2 2026 from Dayton, Ohio. It ranks 189 of 191 credit unions in Ohio by total assets. Total assets fell 5.1% from $379K on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 18.27% for Q1 2026; 17.54% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 16.12% for Q1 2026 .
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.14% for Q1 2026; -0.02% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 45.71% for Q1 2026; 51.18% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $73K
- Used vehicle loans: $39K
- Other secured non-real estate loans and lines of credit: $12K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $360K | 18.47% | 24.93% | -0.21% | 42.87% |
| March 31, 2026 | $365K | 18.27% | 16.12% | 1.14% | 45.71% |
| December 31, 2025 | $370K | 17.75% | 22.05% | -3.53% | 48.71% |
| September 30, 2025 | $367K | 17.95% | 2.57% | -0.70% | 52.35% |
| June 30, 2025 | $379K | 17.54% | — | -0.02% | 51.18% |
| March 31, 2025 | $403K | 16.52% | — | -0.23% | 52.73% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Wright-Dunbar Area Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 96691) · FFIEC NIC profile (RSSD 205793)
Frequently asked questions
Is Wright-Dunbar Area Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Wright-Dunbar Area Credit Union, Inc.'s net worth ratio is 18.47%, above the 7% NCUA threshold for well capitalized.
Is Wright-Dunbar Area Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Wright-Dunbar Area Credit Union, Inc. is a federally insured credit union (NCUA charter 96691): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Wright-Dunbar Area Credit Union, Inc.'s key safety ratios?
For Q2 2026, Wright-Dunbar Area Credit Union, Inc. reports net worth 18.47%, delinquency 24.93%, ROA -0.21%, loan-to-share 42.87%.
What happens to my money if Wright-Dunbar Area Credit Union, Inc. fails?
For Q2 2026, Wright-Dunbar Area Credit Union, Inc. held $290K in shares and deposits for 308 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.