Credit Union Safety Analysis
Is Wright-Patt Credit Union, Inc. Safe? Beavercreek, Ohio
Based on its Q2 2026 NCUA 5300 call report, Wright-Patt Credit Union, Inc. has a net worth ratio of 11.32%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.10%, 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-Patt Credit Union, Inc.'s net worth ratio is 11.32%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.32%
- Delinquency ratio (60+ days) (Q2 2026): 1.10%
- Return on assets (Q2 2026): 1.45%
- Loan-to-share ratio (Q2 2026): 83.70%
Wright-Patt Credit Union, Inc. (NCUA charter 66328, established 1932) reported $9.55B in assets and 527,080 members for Q2 2026 from Beavercreek, Ohio. It is the largest of 191 credit unions in Ohio by total assets. Total assets grew 2.1% from $9.35B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.89% for Q1 2026; 10.67% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.16% for Q1 2026; 1.19% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.82% for Q1 2026; 1.06% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 82.39% for Q1 2026; 86.11% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.16B
- Used vehicle loans: $1.50B
- Commercial loans: $962.3M
- New vehicle loans: $428.5M
- Unsecured credit card loans: $252.1M
- Other unsecured loans and lines of credit: $246.5M
- Other secured non-real estate loans and lines of credit: $227.8M
- Non-federally guaranteed student loans: $60.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.55B | 11.32% | 1.10% | 1.45% | 83.70% |
| March 31, 2026 | $9.61B | 10.89% | 1.16% | 0.82% | 82.39% |
| December 31, 2025 | $9.56B | 10.74% | 1.27% | 0.60% | 83.37% |
| September 30, 2025 | $9.38B | 10.85% | 1.13% | 0.86% | 87.52% |
| June 30, 2025 | $9.35B | 10.67% | 1.19% | 1.06% | 86.11% |
| March 31, 2025 | $9.38B | 10.37% | 1.05% | 0.63% | 83.61% |
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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-Patt Credit Union, Inc. profile
Regulator records: NCUA credit union profile (charter 66328) · FFIEC NIC profile (RSSD 368492)
Frequently asked questions
Is Wright-Patt Credit Union, Inc. well capitalized?
On its Q2 2026 NCUA 5300 call report, Wright-Patt Credit Union, Inc.'s net worth ratio is 11.32%, above the 7% NCUA threshold for well capitalized.
Is Wright-Patt Credit Union, Inc. FDIC insured?
No. The FDIC insures banks, not credit unions. Wright-Patt Credit Union, Inc. is a federally insured credit union (NCUA charter 66328): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Wright-Patt Credit Union, Inc.'s key safety ratios?
For Q2 2026, Wright-Patt Credit Union, Inc. reports net worth 11.32%, delinquency 1.10%, ROA 1.45%, loan-to-share 83.70%.
What happens to my money if Wright-Patt Credit Union, Inc. fails?
For Q2 2026, Wright-Patt Credit Union, Inc. held $8.17B in shares and deposits for 527,080 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.