WRIGHT-PATT CREDIT UNION, INC.

Charter #66328 | OH

7B-10B (30 CUs) Large (64 CUs)
1 7B-10B in OH

WRIGHT-PATT CREDIT UNION, INC. has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 14.5% in tier
  • + Relationship Depth Leader: Top 27.3% in tier
  • + Organic Growth Engine: Top 31.8% in tier
  • + Net Interest Margin 0.56% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.7% in tier
  • - Indirect Auto Dependency: Bottom 7.1% in tier
  • - Growth-at-Risk: Bottom 7.2% in tier
  • - ROA 0.18% below tier average
  • - Delinquency rate 0.45% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 6.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Members 530,264
+1.8% YoY+0.5% QoQ
 +71.0K 459,296
+3.8% YoY
 16,553
+5.8% YoY
 33,089
+6.1% YoY
 73rd in tier
Assets $9.4B
+6.4% YoY+0.3% QoQ
 +$460.1M $8.9B
+1.2% YoY
 $245.2M
+8.8% YoY
 $547.7M
+7.8% YoY
 63rd in tier
Loans $6.9B
+6.8% YoY+2.0% QoQ
 +$574.7M $6.3B
+2.9% YoY
 $170.6M
+8.7% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $7.9B
+7.2% YoY+0.4% QoQ
 +$448.9M $7.5B
+2.3% YoY
 $209.1M
+9.7% YoY
 $464.6M
+9.3% YoY
 57th in tier
ROA 0.9%
+9.5% YoY+0.5% QoQ
 -0.2% 1.0%
+22.1% YoY
 0.5%
-7.3% YoY
 0.7%
+273.4% YoY
 37th in tier
NIM 3.6%
+5.6% YoY+2.0% QoQ
 +0.6% 3.0%
+11.5% YoY
 3.7%
+3.3% YoY
 3.7%
+5.0% YoY
 Top 16.7% in tier
Efficiency Ratio 61.8%
+1.4% YoY-0.8% QoQ
 -1.9% 63.7%
-2.2% YoY
 83.9%
+3.6% YoY
 79.1%
-3.3% YoY
 43rd in tier
Delinquency Rate 1.1%
+19.6% YoY-5.1% QoQ
 +0.5 0.7%
+10.8% YoY
 1.5%
+29.9% YoY
 1.2%
-0.9% YoY
 Top 6.7% in tier
Loan To Share 87.5%
-0.3% YoY+1.6% QoQ
 +2.1% 85.4%
+0.7% YoY
 63.8%
-2.4% YoY
 68.0%
-1.7% YoY
 50th in tier
AMR $27,946
+5.1% YoY+0.6% QoQ
 $-6K $33,660
-2.9% YoY
 $17,099
+5.9% YoY
 $19,418
+1.3% YoY
 30th in tier
CD Concentration 23.6%
+0.6% YoY+1.8% QoQ
 -5.3% 28.9%
-1.3% YoY
 19.2%
+8.0% YoY
 19.6%
+6.2% YoY
 Bottom 25.0% in tier
Indirect Auto % 27.1%
-11.6% YoY-2.3% QoQ
 +10.5% 16.6%
-10.3% YoY
 11.2%
-0.8% YoY
 7.9%
-2.9% YoY
 Top 21.9% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#18 of 46 • Top 14.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.06%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#33 of 46 • Top 27.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.06%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#48 of 50 • Top 31.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.83%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.85%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 27.14%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#8 of 34 • Bottom 5.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.19% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#8 of 33 • Bottom 7.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.40%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 27.14%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.83%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

Growth-at-Risk

risk
#8 of 25 • Bottom 7.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.79%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.19% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | Rank improving

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)

Comparing against 30 peers in tier

Top Strengths (4 metrics)

5
Net Interest Margin (NIM)
profitability
Value: 3.56%
Peer Avg: 3.00%
#5 of 30 Top 13.3% in 7B-10B tier
7
AMR Growth Rate
growth
Value: 5.06%
Peer Avg: 1.77%
#7 of 30 Top 20.0% in 7B-10B tier
8
Asset Growth Rate
growth
Value: 6.40%
Peer Avg: 2.91%
#8 of 30 Top 23.3% in 7B-10B tier
8
Total Members
engagement
Value: 530,264
Peer Avg: 459,296
#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (2 metrics)

29
Total Delinquency Rate (60+ days)
risk
Value: 1.13%
Peer Avg: 0.67%
#29 of 30 Bottom 6.7% in 7B-10B tier
27
Net Charge-Off Rate
risk
Value: 0.98%
Peer Avg: 0.56%
#27 of 30 Bottom 13.3% in 7B-10B tier