Wright-Patt Credit Union, Inc.
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). A current level of 7.4 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 10.7. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.6 has resulted in Good (5.0) profitability.
Asset Mix:
Consumer loans (34%), home mtgs (21%), other (45%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3560 Pentagon Boulevard
Beavercreek, OH 45431
Beavercreek, OH 45431
Phone Number
(937) 912-7000
NCUA Charter Number
Website
Largest Competitors
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