Wright-Patt Credit Union, Inc.
Major Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 0.0. A current level of 8.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.1).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.9 has resulted in Good (6.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (30%), home mtgs (23%), other (47%)
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
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