WRIGHT PATMAN CONGRESSIONAL
Charter #8797 | DC
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
1 1B-3B in DC
WRIGHT PATMAN CONGRESSIONAL has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 15.5% in tier
- + Emerging Performer: Top 22.3% in tier
- + Organic Growth Leader: Top 23.5% in tier
- + Organic Growth Engine: Top 23.9% in tier
- + Wallet Share Momentum: Top 32.8% in tier
- + Net Interest Margin 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 20.1% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 9.79% above tier (higher cost structure)
- - Delinquency rate 0.37% above tier average
- - First Mortgage Concentration (%): Bottom 5.3% in tier
- - Total Members: Bottom 5.9% in tier
- - Fee Income Per Member: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,276
+2.1% YoY+1.8% QoQ
|
-49.4K |
98,678
-1.9% YoY
|
10,992
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 5.6% in tier |
| Assets |
$1.3B
+4.8% YoY+0.0% QoQ
|
$-456.7M |
$1.7B
+0.5% YoY
|
$397.3M
+10.3% YoY
|
$547.7M
+7.8% YoY
|
27th in tier |
| Loans |
$751.9M
+1.9% YoY+1.2% QoQ
|
$-481.1M |
$1.2B
+0.5% YoY
|
$237.1M
+5.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.2% in tier |
| Deposits |
$1.1B
+4.7% YoY-0.3% QoQ
|
$-332.2M |
$1.5B
+1.3% YoY
|
$346.2M
+10.2% YoY
|
$464.6M
+9.3% YoY
|
34th in tier |
| ROA |
0.4%
-57.3% YoY-15.9% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.1%
-83.6% YoY
|
0.7%
+273.4% YoY
|
26th in tier |
| NIM |
3.3%
+4.7% YoY+2.7% QoQ
|
+0.0% |
3.3%
+9.3% YoY
|
3.6%
+4.1% YoY
|
3.7%
+5.0% YoY
|
51st in tier |
| Efficiency Ratio |
83.8%
+16.8% YoY+2.7% QoQ
|
+9.8% |
74.0%
-10.9% YoY
|
96.2%
+5.7% YoY
|
79.1%
-3.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
1.2%
-0.4% YoY+8.5% QoQ
|
+0.4 |
0.8%
+6.1% YoY
|
2.3%
+52.4% YoY
|
1.2%
-0.9% YoY
|
Top 16.4% in tier |
| Loan To Share |
67.0%
-2.7% YoY+1.5% QoQ
|
-18.2% |
85.2%
-0.8% YoY
|
61.8%
-0.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.1% in tier |
| AMR |
$38,032
+1.4% YoY-1.5% QoQ
|
+$9K |
$29,172
+2.8% YoY
|
$22,611
+4.7% YoY
|
$19,418
+1.3% YoY
|
Top 11.2% in tier |
| CD Concentration |
22.6%
+4.7% YoY+2.4% QoQ
|
-6.4% |
29.0%
+0.8% YoY
|
16.1%
+11.6% YoY
|
19.6%
+6.2% YoY
|
Bottom 22.2% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-2.8% YoY
|
0.1%
-38.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growth
#113 of 264 • Top 15.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.39%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$6.4K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
New qualifier
Emerging Performer
growth
#119 of 184 • Top 22.3% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.44%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
2.13%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#93 of 138 • Top 23.5% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.13%
(Tier:
3.18%, National:
9.37%)
138 of 380 Mid-Market CUs have this signature
| 608 nationally
↑ Growing
+11 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#174 of 246 • Top 23.9% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.13%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
0.44%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#238 of 264 • Top 32.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.39%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
New qualifier
Concerns (1)
Efficiency Drag
risk
#67 of 96 • Bottom 20.1% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
83.76%
(Tier:
73.45%, National:
79.10%)
ROA Change (YoY):
-0.60% points
(Tier:
0.07% points, National:
0.05% points)
Member Growth (YoY):
2.13%
(Tier:
3.18%, National:
9.37%)
96 of 380 Mid-Market CUs have this signature
| 624 nationally
↓ Shrinking
-32 CUs YoY
|
New qualifier
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 18.32%
#1 of 304
Top 0.0% in 1B-3B tier
34
Average Member Relationship (AMR)
engagement
Value:
$38,032
Peer Avg: $29,172
#34 of 304
Top 10.9% in 1B-3B tier
58
Net Charge-Off Rate
risk
Value:
0.26%
Peer Avg: 0.60%
#58 of 304
Top 18.8% in 1B-3B tier
72
Loan-to-Member Ratio (LMR)
engagement
Value:
$15,260
Peer Avg: $13,213
#72 of 304
Top 23.4% in 1B-3B tier
73
Share Certificate Concentration (%)
balance_sheet
Value:
22.62%
Peer Avg: 28.53%
#73 of 304
Top 23.7% in 1B-3B tier
Top Weaknesses (7 metrics)
289
First Mortgage Concentration (%)
balance_sheet
Value:
59.65%
Peer Avg: 34.01%
#289 of 304
Bottom 5.3% in 1B-3B tier
287
Total Members
engagement
Value:
49,276
Peer Avg: 98,678
#287 of 304
Bottom 5.9% in 1B-3B tier
283
Fee Income Per Member
profitability
Value:
$114.79
Peer Avg: $210.52
#283 of 304
Bottom 7.2% in 1B-3B tier
273
Total Loans
balance_sheet
Value:
$751.95M
Peer Avg: $1.23B
#273 of 304
Bottom 10.5% in 1B-3B tier
270
Efficiency Ratio
profitability
Value:
83.76%
Peer Avg: 73.97%
#270 of 304
Bottom 11.5% in 1B-3B tier
261
Loan-to-Share Ratio
balance_sheet
Value:
67.01%
Peer Avg: 85.19%
#261 of 304
Bottom 14.5% in 1B-3B tier
255
Total Delinquency Rate (60+ days)
risk
Value:
1.20%
Peer Avg: 0.83%
#255 of 304
Bottom 16.4% in 1B-3B tier