Wright-Patt Credit Union, Inc. Beavercreek, Ohio
Wright-Patt Credit Union, Inc. is a state-chartered credit union headquartered in Beavercreek, OH, established in 1932 (NCUA charter 66328), and it is regulated and insured by the NCUA. At Q2 2026 it reported 527,080 members and total assets of $9.55B (up 2.1% from Q2 2025), the largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 11.32% at Q2 2026, in the well capitalized band.
Trade names filed with the NCUA: Wright-Patt Credit Union and WPCU
BankRegReports is independent of Wright-Patt 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
- 66328
- Headquarters
- Beavercreek, OH
- Established
- 1932
- Total assets, Q2 2026
- $9.55B
- Assets vs Q2 2025
- +2.1%
- Members, Q2 2026
- 527,080
- Net worth ratio, Q2 2026
- 11.32%
- Latest call report
- Q2 2026, NCUA 5300 · Wright-Patt Credit Union, Inc. call report
- Asset rank in state
- 1st of 191 in Ohio
- Routing number
- 242279408
- Branches
- 41
It has 299 fewer members than on June 30, 2025 (-0.1%). Its net worth ratio was up 0.65 percentage points from 10.67% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.16B of $6.84B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.10% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.32% net worth ratio is above that band's 10.89% median.
Credit unions merged into Wright-Patt Credit Union, Inc.
Frequently asked about Wright-Patt Credit Union, Inc.
How big is Wright-Patt Credit Union, Inc.?
At Q2 2026 it reported total assets of $9.55B and 527,080 members.
Where is Wright-Patt Credit Union, Inc. headquartered?
It is headquartered in Beavercreek, OH, United States.
When was Wright-Patt Credit Union, Inc. founded?
It was established in 1932, per NCUA records.
Is Wright-Patt Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66328): 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-Patt 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-Patt Credit Union, Inc. well capitalized?
Its net worth ratio was 11.32% 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-Patt Credit Union, Inc.'s delinquency ratio?
Its delinquency ratio was 1.10% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Wright-Patt Credit Union, Inc.'s loan-to-share ratio?
Its loan-to-share ratio was 83.70% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Beavercreek, OH 45431
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1932
- NCUA Charter #
- 66328
- RSSD ID
- 368492
- Members
- 527,080
- Potential members
- 4,890,181
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.32% | 10.89% | 56th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.45% | 0.89% | 83rd top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 12.79% | 8.07% | 86th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.69% | 3.45% | 68th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 61.50% | 70.59% | 79th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.94% | 1.68% | 29th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.10% | 0.68% | 23rd bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.64% | 5.12% | 83rd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 83.70% | 88.03% | 39th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.55B total assets against $9.35B; $8.17B total shares and deposits against $7.87B; $6.84B total loans against $6.78B.
$1.08B net worth against $998.8M.
11.32% net worth ratio against 10.67%.
83.70% loan-to-share ratio against 86.11%.
1.10% delinquency ratio against 1.19%.
1.45% return on assets against 1.06%; 12.79% return on equity against 9.97%.
3.69% net interest margin against 3.59%.
527,080 members against 527,379.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.32% | 1.45% | 1.10% | 83.70% |
| March 31, 2026 | 10.89% | 0.82% | 1.16% | 82.39% |
| December 31, 2025 | 10.74% | 0.60% | 1.27% | 83.37% |
| September 30, 2025 | 10.85% | 0.86% | 1.13% | 87.52% |
| June 30, 2025 | 10.67% | 1.06% | 1.19% | 86.11% |
| March 31, 2025 | 10.37% | 0.63% | 1.05% | 83.61% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.