WRIGHT-DUNBAR AREA
Charter #96691 · Dayton, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 16.12% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 54th — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WRIGHT-DUNBAR AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 364,937 | 7th pct | 15th pct |
| Members | 309 | 26th pct | 54th pct |
| Net worth ratio | 18.27% | 52th pct | 52th pct |
| Return on average assets | 1.13% | 75th pct | 66th pct |
| Net interest margin | 4.48% | 64th pct | 62th pct |
| Cost of funds | 0.24% | 33th pct | 43th pct |
| Loan-to-share | 45.71% | 36th pct | 61th pct |
| Delinquency 60+ days | 16.12% | 98th pct | 93th pct |
| Net charge-off ratio | 0.00% | 22th pct | 11th pct |
| Loan growth YoY | -13.56% | 17th pct | 23th pct |
| Share growth YoY | -0.99% | 41th pct | 48th pct |
| Efficiency ratio | 75.49% | 32th pct | 39th pct |
structural peer set hash: e9e47e8c3940234db11d9415bdc20f79… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.