BlastPoint's Credit Union Scorecard

WINGS FINANCIAL

Charter #68601 · MN

Large 7B-10B

33 CUs in 7B-10B nationally 1 in MN

View Large leaderboard →

WINGS FINANCIAL has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 32.1% in tier
+ Organic Growth Leader: Top 46.4% in tier
+ Relationship Depth Leader: Top 85.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.6% in tier
- Flatlined Growth: Bottom 20.0% in tier
- ROA 0.05% below tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	384,731 +3.5% YoY+0.9% QoQ	-61.2K	445,922 +0.4% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	24%
Assets	$9.3B -0.5% YoY-0.7% QoQ	+$392.9M	$8.9B +0.9% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	61%
Loans	$7.3B +7.4% YoY+0.8% QoQ	+$1.1B	$6.3B +0.8% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	79%
Deposits	$7.3B +4.4% YoY+2.6% QoQ	$-193.3M	$7.5B +1.2% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	36%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +435.6% YoY+2.4% QoQ	-0.0%	1.0% +27.8% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	61%
NIM	2.5% +22.7% YoY+2.3% QoQ	-0.5%	3.0% +12.0% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	15%
Efficiency Ratio	62.3% -12.2% YoY+0.2% QoQ	-2.6%	64.8% -2.3% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	39%
Delinquency Rate	0.3% -46.2% YoY+18.5% QoQ	-0.4	0.7% +5.5% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	18%
Loan To Share	99.8% +2.9% YoY-1.7% QoQ	+16.4%	83.4% -0.6% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	82%
AMR	$38,047 +2.3% YoY+0.8% QoQ	+$4K	$34,266 -1.7% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	73%
CD Concentration	21.9% -17.4% YoY+0.7% QoQ	-7.2%	29.1%	22.0%	19.8%	21%
Indirect Auto %	6.1% +54.7% YoY+7.5% QoQ	-11.0%	17.1%	6.5%	7.8%	24%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#18 of 54 • Top 32.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.49%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.92%

(Tier: 0.90%, National: 0.67%)

better than tier avg

Indirect Auto %: 6.05%

(Tier: 17.09%, National: 7.78%)

better than tier avg

54 of 68 Large CUs have this signature | 913 nationally

→ No prior data (54 CUs now) | New qualifier

Organic Growth Leader

growth

#14 of 29 • Top 46.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.49%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 6.05%

(Tier: 17.09%, National: 7.78%)

better than tier avg

29 of 68 Large CUs have this signature | 609 nationally

→ No prior data (29 CUs now) | New qualifier

Relationship Depth Leader

growth

#13 of 15 • Top 85.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.31%

(Tier: 3.92%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.6K

(Tier: $3.3K, National: $2.0K)

better than tier avg

15 of 68 Large CUs have this signature | 351 nationally

↑ Growing +6 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk

#6 of 33 • Bottom 15.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.82%

(Tier: 84.88%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.45%

(Tier: 6.96%, National: 111.96%)

but better than tier avg

33 of 68 Large CUs have this signature | 439 nationally

↑ Growing +6 CUs YoY | Rank improving

Flatlined Growth

risk

#2 of 6 • Bottom 20.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.51%

(Tier: 8.38%, National: 3.54%)

worse than tier avg

Return on Assets: 0.92%

(Tier: 0.90%, National: 0.67%)

but better than tier avg

6 of 68 Large CUs have this signature | 59 nationally

→ No prior data (6 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 33 peers in tier

Top Strengths (8 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 99.82%

Peer Median: -

#6 of 33 Top 15.2% in 7B-10B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 6.05%

Peer Median: -

#6 of 33 Top 15.2% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Median: -

#7 of 33 Top 18.2% in 7B-10B tier

Total Loans

balance_sheet

Value: $7.31B

Peer Median: -

#7 of 33 Top 18.2% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,006

Peer Median: -

#8 of 33 Top 21.2% in 7B-10B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.92%

Peer Median: -

#9 of 33 Top 24.2% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $38,047

Peer Median: -

#9 of 33 Top 24.2% in 7B-10B tier

Members Per Employee (MPE)

engagement

Value: 499.651

Peer Median: -

#9 of 33 Top 24.2% in 7B-10B tier

Top Weaknesses (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 52.71%

Peer Median: -

#30 of 33 Bottom 12.1% in 7B-10B tier

Asset Growth Rate

growth

Value: -0.51%

Peer Median: -

#29 of 33 Bottom 15.2% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 2.51%

Peer Median: -

#28 of 33 Bottom 18.2% in 7B-10B tier