TellerScore

The Wright Credit Union is a federally insured state-chartered credit union headquartered in Toccoa, Georgia, in business for about 63 years. At the end of Q2 2026 it reported $16.2M in total assets and $13.4M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, The Wright Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 16th. Its strongest component is capital cushion (100/100; 17.27%), and its lowest is earnings (48/100; 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.27%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity78/100
Loans ÷ shares: 82.4% · 2.5% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.14%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (76 → 84), mostly because the loan quality component improved by 33 points.

TellerScore
567084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202458
Q4 202476
Q1 202581
Q2 202576
Q3 202576
Q4 202583
Q1 202668
Q2 202684
Net worth ratio
7.00%12.14%17.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.14%
Q3 202416.54%
Q4 202416.40%
Q1 202515.83%
Q2 202516.16%
Q3 202516.94%
Q4 202516.95%
Q1 202616.81%
Q2 202617.27%
Delinquent loans (60+ days)
0.29%1.87%3.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.45%
Q3 20243.34%
Q4 20240.85%
Q1 20250.72%
Q2 20251.28%
Q3 20251.23%
Q4 20250.35%
Q1 20261.92%
Q2 20260.29%
Return on assets
0.15%0.43%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.37%
Q4 20240.15%
Q1 20250.60%
Q2 20250.63%
Q3 20250.69%
Q4 20250.60%
Q1 20260.56%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$16.2M17.27%0.29%0.71%82.4%
Q1 202668$16.4M16.81%1.92%0.56%77.3%
Q4 202583$16.1M16.95%0.35%0.60%77.8%
Q3 202576$16.4M16.94%1.23%0.69%76.2%
Q2 202576$17.0M16.16%1.28%0.63%70.1%
Q1 202581$17.2M15.83%0.72%0.60%67.1%
Q4 202476$16.4M16.40%0.85%0.15%72.9%
Q3 202458$16.8M16.54%3.34%0.37%71.9%
Q2 202456$16.8M17.14%3.45%0.17%73.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.27%
66th
Problem loans0.29%
69th
Net charge-offs-0.36%
97th
Return on assets0.71%
54th
Loans to deposits82.4%
17th
Uninsured deposits2.5%
40th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
63rd

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Walker County Educators Federal Credit UnionCredit union Chickamauga, GA87 out of 100, Very strong$15.1M24.8%0.03%vs
Combined Employees Credit UnionCredit union Warner Robins, GA66 out of 100, Moderate$18.3M8.4%0.05%vs
Valdosta Teachers Federal Credit UnionCredit union Valdosta, GA61 out of 100, Moderate$13.2M13.4%2.29%vs
Genuine Parts Credit UnionCredit union Norcross, GA87 out of 100, Very strong$19.5M79.2%0.00%vs
Mercy Federal Credit UnionCredit union Savannah, GA55 out of 100, Moderate$12.4M19.3%2.65%vs
Northside Federal Credit UnionCredit union Atlanta, GA88 out of 100, Very strong$20.8M18.9%0.54%vs

Deposit insurance

Is my money safe at The Wright Credit Union?

Yes. The Wright Credit Union is a federally insured credit union (NCUA charter #67564). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.5% of shares and deposits ($334K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

The Wright Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Wright Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67564
RSSD ID
1226311
Primary regulator
State + NCUA
Established
1963
Headquarters
PO Box 238, Toccoa, GA 30577
Employees
9

Quick answers

The Wright Credit Union: common questions

Is The Wright Credit Union NCUA insured?

Yes. The Wright Credit Union is a federally insured credit union (NCUA charter #67564). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is The Wright Credit Union's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does The Wright Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Toccoa

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Georgia BankBank Lavonia, GA93 out of 100, Very strong$650.6M13.4%0.01%vs
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
Rabun County BankBank Clayton, GA81 out of 100, Strong$361.5M10.5%0.05%vs
Oconee Federal Savings and Loan AssociationBank Seneca, SC78 out of 100, Strong$679.4M13.6%0.33%vs
Vallant BankBank Elberton, GA78 out of 100, Strong$4.0B12.7%0.51%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs