BlastPoint's Credit Union Scorecard
WRIGHT-PATT CREDIT UNION, INC.
Charter #66328 · OH
WRIGHT-PATT CREDIT UNION, INC. has 2 strengths but faces 3 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
- + ROA 0.10% above tier average
- + Net Interest Margin 0.52% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 84.4% in tier
- - Delinquency rate 0.30% above tier average
- - Net Charge-Off Rate: Bottom 7.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 1 that size in Ohio.
- Shares and deposits +3.8% year over year ($8.17B in shares and deposits).
- Membership: 527,080 members, -0.1% vs a year ago.
- Delinquency rate 1.10%.
- Return on assets 1.13%.
- Efficiency ratio 62.18% vs a 66.07% peer average.
- Loan-to-share ratio 83.70% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
527,080
-0.1% YoY+0.2% QoQ
|
+88.2K |
438,885
-1.1% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$9.5B
+2.1% YoY-0.6% QoQ
|
+$629.4M |
$8.9B
+0.0% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$6.8B
+0.9% YoY+1.7% QoQ
|
+$624.4M |
$6.2B
-0.6% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$8.2B
+3.8% YoY+0.1% QoQ
|
+$516.3M |
$7.7B
+2.7% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
1.1%
+33.3% YoY+38.5% QoQ
|
+0.1% |
1.0%
+4.7% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
3.6%
+3.0% YoY+2.8% QoQ
|
+0.5% |
3.1%
+6.6% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
62.2%
-0.1% YoY-1.1% QoQ
|
-3.9% |
66.1%
+1.6% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
1.1%
-7.8% YoY-5.3% QoQ
|
+0.3 |
0.8%
+23.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
83.7%
-2.8% YoY+1.6% QoQ
|
+2.4% |
81.3%
-3.8% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$28,484
+2.6% YoY+0.6% QoQ
|
$-9K |
$37,279
+8.1% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
21.7%
-6.2% YoY-1.3% QoQ
|
-6.6% | 28.3% | 19.2% | 20.0% | 24% |
| Indirect Auto % |
22.7%
-18.4% YoY-3.5% QoQ
|
+5.9% | 16.8% | 11.9% | 7.7% | 67% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)