THE WRIGHT
Charter #67564 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
THE WRIGHT has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.82% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.00% below tier average
- - Efficiency ratio 4.49% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,800
-1.3% YoY+0.6% QoQ
|
-825 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
47th in tier |
| Assets |
$16.4M
-2.2% YoY-3.5% QoQ
|
$-13.4M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
43rd in tier |
| Loans |
$10.4M
+3.0% YoY+4.3% QoQ
|
$-5.4M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
52nd in tier |
| Deposits |
$13.7M
-2.8% YoY-4.0% QoQ
|
$-11.8M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
43rd in tier |
| ROA |
0.7%
+82.7% YoY+8.0% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
46th in tier |
| NIM |
5.8%
+2.2% YoY+5.3% QoQ
|
+1.8% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 5.5% in tier |
| Efficiency Ratio |
85.9%
+5.1% YoY-1.2% QoQ
|
+4.5% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
69th in tier |
| Delinquency Rate |
1.2%
-63.1% YoY-3.3% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
67th in tier |
| Loan To Share |
76.2%
+6.0% YoY+8.6% QoQ
|
+15.0% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
72nd in tier |
| AMR |
$13,364
+1.0% YoY-1.1% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
48th in tier |
| CD Concentration |
16.9%
-17.7% YoY-4.2% QoQ
|
-7.5% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
144
Net Interest Margin (NIM)
profitability
Value:
5.76%
Peer Avg: 3.93%
#144 of 2596
Top 5.5% in <100M tier
Top Weaknesses (2 metrics)
2205
First Mortgage Concentration (%)
balance_sheet
Value:
36.09%
Peer Avg: 14.49%
#2205 of 2596
Bottom 15.1% in <100M tier
2191
Members Per Employee (MPE)
engagement
Value:
200.000
Peer Avg: 365.701
#2191 of 2596
Bottom 15.6% in <100M tier