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The Lender Report built this page from public records. Wright-Patt Credit Union, Inc. has not reviewed it. Every lender's page starts this way, and it says nothing about Wright-Patt Credit Union, Inc. itself. Each figure shows its source and date. Work at Wright-Patt Credit Union, Inc.? You can claim this page for free.
Credit union, Beavercreek, OH
Wright-Patt Credit Union, Inc.
A credit union based in Beavercreek, OH. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $926M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 22
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 9
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $9.55B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 937-912-7000 From the NCUA record, June 30, 2026.
- Website
- www.wpcu.coopFrom the NCUA record, November 9, 2026.
- Commercial lending page
- wpcu.coopFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- Wright-Patt Credit Union; WPCU; Wright Patt Credit Union IncNCUA 5300,
- Address
- 3560 Pentagon Blvd, Beavercreek, OH 45431NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Wright-Patt Credit Union, Inc.'s Multifamily balance rose 20.9% to $120.3M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Multifamily balance rose 62.5% to $120.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2026 | Ohio | SBA 7(a), All Other Amusement and Recreation Industries | $210K | 9.25% | 7 yr | SBA FOIA | |
| Dec 2025 | Ohio | SBA 504, Car Washes | $730K | 25 yr | SBA FOIA | ||
| 2025 | Montgomery County, OH | Refinance, 5 to 24 units | $220K | 7.4% | 10 yr | 52% | HMDA 2025 |
| Aug 2025 | Ohio | SBA 7(a), Landscaping Services | $320K | 10% | 10 yr | SBA FOIA | |
| Feb 2025 | Ohio | SBA 7(a), Administrative Management and General Management Consulting Services | $150K | 10.25% | 10 yr | SBA FOIA | |
| Jul 2024 | Ohio | SBA 504, Administrative and Support and Waste Management and Remediation Services | $270K | 25 yr | SBA FOIA | ||
| Jan 2024 | Ohio | SBA 504, Manufacturing | $1.4M | 25 yr | SBA FOIA | ||
| Oct 2023 | Ohio | SBA 7(a), Offices of Certified Public Accountants | $820K | 11.25% | 10 yr | SBA FOIA | |
| 4 SBA 7(a) loans since October 2023, net of cancelled | $1.50M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $120M | 1.8% | +62.5% | 22 | $5.47M |
| Construction and land development | $70.3M | 1.0% | -42.7% | 11 | $6.39M |
| Owner-occupied CRE | $527M | 7.7% | -2.1% | 276 | $1.91M |
| Non-owner-occupied CRE | $176M | 2.6% | -6.9% | 94 | $1.87M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $33.0M | 0.5% | -14.0% | 162 | $204K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $926M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $668M |
| Q4 2023 | $679M |
| Q1 2024 | $693M |
| Q2 2024 | $759M |
| Q3 2024 | $828M |
| Q4 2024 | $886M |
| Q1 2025 | $943M |
| Q2 2025 | $962M |
| Q3 2025 | $989M |
| Q4 2025 | $957M |
| Q1 2026 | $913M |
| Q2 2026 | $926M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 1 | $220K | $220K | $220K | HMDA, |
| 1-4 unit investor or business purpose | 2025 | 94 | $13.9M | $135K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 4 | $1.50M | $260K | $820K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 1 | $210K | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 5 | $3.11M | $411K | $1.4M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 22 | $97.8M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 1 | $20M | NCUA 5300, | ||
| Construction | First half of 2026 | 2 | $7.30M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 10 | $2.72M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 9 | $67.4M | NCUA 5300, | ||
| C&I | First half of 2026 | 15 | $1.95M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its name and state. SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $6.39M |
| Multifamily | $5.47M |
| Owner-occupied CRE | $1.91M |
| Non-owner-occupied CRE | $1.87M |
| Commercial and industrial | $204K |
Programs on record: Federal Home Loan Bank member, Cincinnati district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Ohio HQ | 41 | 1 | 92 | 4 | 5 |
| Kentucky | 0 | 0 | 1 | 0 | 0 |
| Pennsylvania | 0 | 0 | 1 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $1.17B | $241M to $1.31B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $1.10B | $62.9M to $1.31B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 94.3% | 5.6% to 131.7% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $162M | $44.8M to $199M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 33.9% | 2.4% to 136.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 71.6% | 38.4% to 83.5% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Space Coast Credit Union | FL | $9.15B | $61.7M |
| Superior Credit Union, Inc | OH | $1.96B | $183M |
| Redwood Credit Union | CA | $10.7B | $852M |
| Communityamerica Credit Union | KS | $9.02B | $1.37B |
| Kemba Financial Credit Union | OH | $2.47B | $262M |
| General Electric Credit Union | OH | $4.21B | $572M |
| Dfcu Financial Credit Union | MI | $8.04B | $1.14B |
| Members 1st Credit Union | PA | $8.66B | $1.13B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Wright-Patt Credit Union, Inc., NCUA charter 66328. Compare it with the regulator's record. [NCUA profile]
- Balances. $9.55B in total assets and $926M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 22 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 104 loans in HMDA and SBA files, through September 30, 2026: 1 HMDA multifamily 2025, 94 HMDA 1-4 unit investor 2025, 4 SBA 7(a) in 36 months, 5 SBA 504 first liens in 36 months. [How each file was tied to Wright-Patt Credit Union, Inc.]
- Phone and website. Phone 937-912-7000, from the NCUA record. Website wpcu.coop, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 66328
- RSSD
- 368492
- LEI
- 549300N1YEXP02MHBR47
- The Lender Report ID
- lr_000206
- Main office county
- Greene
- Members
- 527,052
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $9.5B in total assets as of June 30, 2026 (NCUA 5300).
- Held $925.8M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $526.6M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $175.6M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $120.3M of multifamily loans as of June 30, 2026, up 62.5% from a year earlier (NCUA 5300).
- Originated 1 multifamily loan totaling $220K in 2025 (HMDA).
6 more sentences
- Originated 94 1-4 unit investor or business-purpose loans totaling $13.9M in 2025 (HMDA).
- Recorded 5 SBA 7(a) approvals totaling $2.1M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 5 SBA 504 projects with $3.1M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 22 real-estate-secured commercial loans totaling $97.8M in the first half of 2026 (NCUA 5300).
- Held $10.4M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 41 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Wright-Patt Credit Union, Inc., https://lender.report/lender/wright-patt-credit-union-oh/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at Wright-Patt Credit Union, Inc.? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem