BlastPoint's Credit Union Scorecard
WRIGHT-PATT CREDIT UNION, INC.
Charter #66328 · OH
WRIGHT-PATT CREDIT UNION, INC. has 2 strengths but faces 5 concerns
How does the industry compare?
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 92.5% in tier
- + Net Interest Margin 0.60% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 55.9% in tier
- - ROA 0.18% below tier average
- - Delinquency rate 0.55% above tier average
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
- - Net Charge-Off Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
527,289
+1.2% YoY-0.6% QoQ
|
+81.4K |
445,922
+0.4% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$9.6B
+5.4% YoY+1.9% QoQ
|
+$627.5M |
$8.9B
+0.9% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$6.7B
+2.4% YoY-2.8% QoQ
|
+$467.7M |
$6.3B
+0.8% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$8.1B
+5.7% YoY+2.1% QoQ
|
+$547.8M |
$7.5B
+1.2% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
0.8%
+22.0% YoY-8.2% QoQ
|
-0.2% |
1.0%
+27.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
3.6%
+6.2% YoY+0.2% QoQ
|
+0.6% |
3.0%
+12.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
63.4%
+1.1% YoY+2.6% QoQ
|
-1.4% |
64.8%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.3%
-0.1% YoY+12.2% QoQ
|
+0.5 |
0.7%
+5.5% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 9.1% in tier |
| Loan To Share |
83.4%
-3.1% YoY-4.7% QoQ
|
-0.0% |
83.4%
-0.6% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$28,053
+3.0% YoY+0.4% QoQ
|
$-6K |
$34,266
-1.7% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
22.9%
-3.2% YoY-2.8% QoQ
|
-6.2% | 29.1% | 19.4% | 19.8% | 24% |
| Indirect Auto % |
24.0%
-18.5% YoY-11.5% QoQ
|
+6.9% | 17.1% | 11.2% | 7.8% | 70% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)