Wright-Patt Credit Union, Inc. (66328), a $9.4B credit union headquartered in Beavercreek, OH, led by CEO Mislansky, reported $6.9B in outstanding loans at the end of 2025 Q3, an increase of $439.6M (+6.8%) compared to the same quarter last year.
The credit union's 87.5% loan-to-share ratio indicates aggressive lending relative to deposit base, which may require liquidity management attention. With 350,798 loans outstanding to 530,264 members, the average loan balance stands at $20K.
At a high level: balance sheet is loan-heavy, constraining future optionality.
Portfolio Composition
Wright-Patt Credit Union, Inc.'s loan portfolio is dominated by Indirect Loans, comprising 29.0% of total loans. This diversified approach balances risk across multiple loan categories.
Loan Portfolio Breakdown
| Loan Type | Balance | % of Portfolio |
|---|---|---|
| Indirect Loans | $2.0B | 29.0% |
| Used Vehicles | $1.7B | 25.0% |
| Business Loans | $1.1B | 16.3% |
| New Vehicles | $522.2M | 7.6% |
| Other Unsecured | $277.2M | 4.0% |
| Credit Cards | $262.4M | 3.8% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Loan Trends
Sustained loan growth of this magnitude typically reflects competitive pricing, expanded indirect lending channels, or successful member acquisition campaigns.
Quarterly Trend
| Period | Total Loans | QoQ Change | Loan/Share |
|---|---|---|---|
| 2024 Q2 | $6.3B | 87.4% | |
| 2024 Q3 | $6.5B | +2.6% | 87.8% |
| 2024 Q4 | $6.6B | +1.4% | 86.1% |
| 2025 Q1 | $6.6B | +0.3% | 83.6% |
| 2025 Q2 | $6.8B | +2.8% | 86.1% |
| 2025 Q3 | $6.9B | +2.0% | 87.5% |
Source: NCUA 5300 Call Reports
Credit Quality & Risk
Wright-Patt Credit Union, Inc. reports $78.0M in loans delinquent 60+ days, representing a 1.13% delinquency rate. This moderate delinquency rate is consistent with industry norms.
Year-to-date net charge-offs of $48.1M represent a 0.70% annualized loss rate. Charge-off trends should be monitored as economic conditions evolve.
Historical Context: Since the 2008 Crisis
Wright-Patt Credit Union, Inc.'s loan portfolio has grown 679% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $887.4M in loans with a 0.97% delinquency rate.
Today's delinquency rate of 1.13% exceeds crisis-era levels, signaling potential stress in the current lending environment.
Peer Comparison
Among 80 credit unions in its $4.7B–$14.1B asset peer group, Wright-Patt Credit Union, Inc. ranks in the 63rd percentile for loan growth.
Outlook
With strong loan growth momentum, Wright-Patt Credit Union, Inc. appears well-positioned for continued portfolio expansion. Key factors to monitor include deposit growth to fund lending, credit quality trends, 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 growth trajectory can be sustained.
Track This Credit Union
Monitor Wright-Patt Credit Union, Inc.'s quarterly loan performance, credit quality metrics, and portfolio 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. Delinquency rate calculated as loans 60+ days past due divided by total loans. Crisis comparison uses Q3 2008 as baseline.