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Wright-Patt Credit Union, Inc.

Beavercreek, OH · Charter 66328

NCUA · 40 branches

Q2 2026

$9.5BAssets
$6.8BLoans
$8.2BShares
$1.1BNet Worth

Executive Summary

  • Earnings: ROA of 1.14%, up 29 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 1.10% of loans (-9 bps YoY).
  • Capital: net worth / assets of 11.32%, up 65 bps from a year ago.
  • Funding: loans stand at 83.70% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.14%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+11 bps YoY

Efficiency Ratio (YTD, annualized)

62.18%-9 bps YoY

Net Worth / Assets

11.32%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.63%0.63%0.85%0.85%0.78%0.82%1.14%+29 bps
Return on Equity7.11%5.99%6.12%7.97%7.85%7.23%7.51%10.03%+206 bps
Net Interest Margin3.35%3.31%3.39%3.50%3.55%3.53%3.50%3.61%+11 bps
Efficiency Ratio60.94%62.75%63.24%62.27%61.78%63.41%62.90%62.18%-9 bps
Growth
Asset Growth (YoY)8.52%8.78%9.39%7.49%6.40%5.43%2.41%2.07%-542 bps
Loan Growth (YoY)8.32%8.24%7.65%7.34%6.79%2.37%2.09%0.93%-641 bps
Share Growth (YoY)8.77%9.79%9.91%8.93%7.16%5.69%3.60%3.84%-508 bps
Asset Quality
Delinquent Loans / Loans0.94%1.27%1.05%1.19%1.13%1.27%1.16%1.10%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.88%10.58%10.38%10.68%10.86%10.74%10.89%11.32%+65 bps
Net Worth / Assets10.88%10.58%10.38%10.68%10.86%10.74%10.89%11.32%+65 bps
Liquidity & Funding
Loans / Shares87.82%86.08%83.61%86.11%87.52%83.37%82.39%83.70%-241 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps