Wright-Dunbar Area
Dayton, OH · Charter 96691 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$360KAssets
$124KLoans
$290KShares
$66KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of credit unions under $1B in assets (rank 315 of 1683).
- Widest gap: nonperforming loans / loans trails 100% of credit unions under $1B in assets (rank 1680 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.56%
Rank 1,064 of 1,683
Net Interest Margin
4.44%
Rank 353 of 1,683
Efficiency Ratio
87.50%
Rank 1,287 of 1,682
Equity / Assets
18.33%
Rank 315 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,064 / 1,683 | |
| Return on Equity | 3.03% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,211 / 1,681 | |
| Net Interest Margin | 4.44% | 3.31% | 3.82% | 4.32% | Beats 79% | 353 / 1,683 | |
| Efficiency Ratio | 87.50% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,287 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 25.00% | 0.26% | 0.65% | 1.29% | Beats 0% | 1,680 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.33% | 10.44% | 12.89% | 16.53% | Beats 81% | 315 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.33% | 10.44% | 12.89% | 16.53% | Beats 81% | 315 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 42.76% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,452 / 1,683 | |
| Loans / Assets | 34.44% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,479 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |