Headquartered in Dayton, Ohio, Wright-Dunbar Area Credit Union is a non-federally insured state credit union with $360K in total assets and $290K in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1955.
Wright-Dunbar Area Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 13% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 174th. Capital cushion contributes the most (100/100, 18.47%); loan quality contributes the least (0/100, 24.93%).
TellerScore · Q2 2026
Scorecard
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 fell 29 points (83 → 54), mostly because the loan quality component weakened by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 62 |
| Q4 2024 | 86 |
| Q1 2025 | 82 |
| Q2 2025 | 83 |
| Q3 2025 | 59 |
| Q4 2025 | 46 |
| Q1 2026 | 62 |
| Q2 2026 | 54 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.54% |
| Q3 2024 | 15.96% |
| Q4 2024 | 15.95% |
| Q1 2025 | 16.52% |
| Q2 2025 | 17.54% |
| Q3 2025 | 17.95% |
| Q4 2025 | 17.75% |
| Q1 2026 | 18.27% |
| Q2 2026 | 18.47% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 2.62% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 2.57% |
| Q4 2025 | 22.05% |
| Q1 2026 | 16.12% |
| Q2 2026 | 24.93% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.25% |
| Q1 2025 | -0.23% |
| Q2 2025 | -0.13% |
| Q3 2025 | -0.33% |
| Q4 2025 | -1.13% |
| Q1 2026 | 1.14% |
| Q2 2026 | 0.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $360K | 18.47% | 24.93% | 0.47% | 42.9% |
| Q1 2026 | 62 | $365K | 18.27% | 16.12% | 1.14% | 45.7% |
| Q4 2025 | 46 | $370K | 17.75% | 22.05% | -1.13% | 48.7% |
| Q3 2025 | 59 | $367K | 17.95% | 2.57% | -0.33% | 52.4% |
| Q2 2025 | 83 | $379K | 17.54% | 0.00% | -0.13% | 51.2% |
| Q1 2025 | 82 | $403K | 16.52% | 0.00% | -0.23% | 52.7% |
| Q4 2024 | 86 | $419K | 15.95% | 0.00% | 0.25% | 45.8% |
| Q3 2024 | 62 | $414K | 15.96% | 2.62% | 0.09% | 47.8% |
| Q2 2024 | 83 | $425K | 15.54% | 0.19% | 0.13% | 47.3% |
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).
Similar-size credit unions in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cleveland Church of Christ Federal Credit UnionCredit union Cleveland, OH | 68 out of 100, Moderate | $365K | 11.9% | 0.36% | vs |
| Mahoning Valley Federal Credit UnionCredit union Youngstown, OH | 50 out of 100, Below average | $376K | 10.2% | 1.80% | vs |
| Heekin Can Empl Credit UnionCredit union Cincinnati, OH | 55 out of 100, Moderate | $279K | 75.3% | 3.00% | vs |
| Mt Zion Woodlawn Federal Credit UnionCredit union Cincinnati, OH | 64 out of 100, Moderate | $142K | 9.6% | 0.00% | vs |
| Shaker Heights Federal Credit UnionCredit union Shaker Heights, OH | 54 out of 100, Below average | $1.2M | 24.3% | 15.96% | vs |
| Ibew 141 Federal Credit UnionCredit union Saint Clairsvil, OH | 90 out of 100, Very strong | $1.3M | 19.6% | 0.00% | vs |
Deposit insurance
Is my money safe at Wright-Dunbar Area Credit Union?
Wright-Dunbar Area Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
An estimated 0.0% of shares and deposits ($0) 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 18.47%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Wright-Dunbar Area Credit Union lists 2 offices in 1 city. Most locations:
- Dayton, OH (2)
Identity & history
Profile
- Legal name
- Wright-Dunbar Area Credit Union
- Type
- Non-federally insured state credit union
- NCUA charter #
- 96691
- RSSD ID
- 205793
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- 700 S James H Mcgee Blvd, Dayton, OH 45402
- Employees
- 5
Quick answers
Wright-Dunbar Area Credit Union: common questions
Is Wright-Dunbar Area Credit Union NCUA insured?
Wright-Dunbar Area Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
What is Wright-Dunbar Area Credit Union's TellerScore?
54 out of 100 (Below average), 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 Wright-Dunbar Area Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Dayton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First Central National Bank of St. ParisBank St. Paris, OH | 87 out of 100, Very strong | $97.0M | 18.9% | 0.02% | vs |
| Greenville National BankBank Greenville, OH | 86 out of 100, Very strong | $641.5M | 13.0% | 0.05% | vs |
| Middletown Area Schools Credit UnionCredit union Middletown, OH | 84 out of 100, Strong | $11.3M | 15.2% | 1.09% | vs |
| Day Air Credit UnionCredit union Kettering, OH | 82 out of 100, Strong | $908.8M | 14.6% | 0.96% | vs |
| Postal Family Credit Union, Inc.Credit union Cincinnati, OH | 79 out of 100, Strong | $66.2M | 18.1% | 1.44% | vs |
| Minster BankBank Minster, OH | 79 out of 100, Strong | $811.6M | 10.1% | 0.14% | vs |