BlastPoint's Credit Union Scorecard
WRIGHT-PATT CREDIT UNION, INC.
Charter #66328 · OH
WRIGHT-PATT CREDIT UNION, INC. has 1 strength but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 28.1% in tier
- - Credit Risk Growth: Bottom 76.6% in tier
- - Indirect Auto Dependency: Bottom 81.2% in tier
- - ROA 0.13% below tier average
- - Delinquency rate 0.54% above tier average
- - Net Charge-Off Rate: Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
525,908
+0.3% YoY-0.3% QoQ
|
+89.0K |
436,889
-2.3% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
69% |
| Assets |
$9.6B
+2.4% YoY+0.5% QoQ
|
+$701.3M |
$8.9B
-0.1% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$6.7B
+2.1% YoY+0.0% QoQ
|
+$581.1M |
$6.1B
-1.1% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$8.2B
+3.6% YoY+1.2% QoQ
|
+$510.8M |
$7.7B
+1.8% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
62% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+26.6% YoY+4.3% QoQ
|
-0.1% |
0.9%
+16.3% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
3.5%
+1.4% YoY-2.0% QoQ
|
+0.4% |
3.1%
+6.3% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
62.9%
-0.5% YoY-0.8% QoQ
|
-3.1% |
66.1%
-2.8% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
1.2%
+9.8% YoY-8.5% QoQ
|
+0.5 |
0.6%
+12.0% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.3% in tier |
| Loan To Share |
82.4%
-1.5% YoY-1.2% QoQ
|
+2.0% |
80.4%
-3.4% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$28,319
+2.6% YoY+0.9% QoQ
|
$-9K |
$37,056
+6.8% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
34% |
| CD Concentration |
22.0%
-4.6% YoY-3.9% QoQ
|
-6.6% | 28.6% | 19.4% | 19.8% | 21% |
| Indirect Auto % |
23.5%
-17.5% YoY-2.2% QoQ
|
+7.1% | 16.4% | 11.4% | 7.7% | 71% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)