Wright-Patt Credit Union, Inc. (66328), a $9.4B credit union headquartered in Beavercreek, OH, led by CEO Mislansky, reported $7.9B in member deposits at the end of 2025 Q3, an increase of $527.9M (+7.2%) compared to the same quarter last year.
The credit union's 87.5% loan-to-share ratio indicates strong loan demand relative to deposits, which may require attention to deposit pricing and liquidity management.
Net effect: elevated loan-to-share ratio limits incremental lending capacity.
Deposit Composition
Wright-Patt Credit Union, Inc.'s deposit portfolio is led by Money Market, comprising 39.6% of total deposits—higher-yield accounts with selective transactions.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Money Market | $3.1B | 39.6% | +11.3% |
| Share Certificates | $1.9B | 23.6% | +7.8% |
| Regular Shares | $1.3B | 16.1% | +1.1% |
| Share Drafts | $1.2B | 14.7% | +4.4% |
| IRA/KEOGH | $331.0M | 4.2% | +7.0% |
| Other Shares | $87.3M | 1.1% | -8.2% |
| Non-Member Deposits | $53.9M | 0.7% | -1.3% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Robust deposit growth of this magnitude typically reflects competitive dividend rates, successful marketing campaigns, or strong community relationships driving member acquisition.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $7.2B | $14K | |
| 2024 Q3 | $7.4B | +2.1% | $14K |
| 2024 Q4 | $7.6B | +3.5% | $15K |
| 2025 Q1 | $7.9B | +3.3% | $15K |
| 2025 Q2 | $7.9B | -0.1% | $15K |
| 2025 Q3 | $7.9B | +0.4% | $15K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Wright-Patt Credit Union, Inc. serves 530,264 members, an increase of 1.8% year-over-year. The average member deposit of $15K has grown 5.2% compared to last year.
Deposit growth exceeding member growth suggests existing members are increasing their balances, a sign of deepening relationships.
Historical Context: Since the 2008 Crisis
Wright-Patt Credit Union, Inc.'s deposit base has grown 568% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $1.2B in member deposits serving 169,441 members.
Membership has expanded 213% over this period, demonstrating strong community trust and successful member acquisition.
Peer Comparison
Among 80 credit unions in its $4.7B–$14.1B asset peer group, Wright-Patt Credit Union, Inc. ranks in the 60th percentile for deposit growth.
Outlook
With strong deposit momentum, Wright-Patt Credit Union, Inc. appears well-positioned to fund loan growth and maintain competitive member services. Key factors to watch include deposit rate trends, member acquisition costs, and competitive dynamics in the OH market.
Wright-Patt Credit Union, Inc.'s Q4 2025 results, expected in early 2026, will provide further insight into whether this deposit growth trajectory can be sustained.
Track This Credit Union
Monitor Wright-Patt Credit Union, Inc.'s quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.