BlastPoint's Credit Union Scorecard
WINGS FINANCIAL
Charter #68601 · MN
WINGS FINANCIAL has 5 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 10.8% in tier
- + Organic Growth Leader: Top 10.8% in tier
- + Relationship Depth Leader: Top 69.2% in tier
- + Credit Quality Leader: Top 73.3% in tier
- + Loan-to-Share Ratio: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.3% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - ROA 0.13% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
381,281
+4.0% YoY+1.1% QoQ
|
-78.0K |
459,296
+3.8% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$9.4B
+0.9% YoY-0.9% QoQ
|
+$468.7M |
$8.9B
+1.2% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$7.3B
+10.0% YoY+2.5% QoQ
|
+$910.3M |
$6.3B
+2.9% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
77% |
| Deposits |
$7.1B
+5.8% YoY-0.1% QoQ
|
$-315.2M |
$7.5B
+2.3% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
0.9%
+463.9% YoY+27.9% QoQ
|
-0.1% |
1.0%
+22.1% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
2.5%
+21.7% YoY+6.7% QoQ
|
-0.6% |
3.0%
+11.5% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.0% in tier |
| Efficiency Ratio |
62.1%
-16.8% YoY-4.9% QoQ
|
-1.6% |
63.7%
-2.2% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.3%
-27.2% YoY-8.4% QoQ
|
-0.4 |
0.7%
+10.8% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
101.6%
+3.9% YoY+2.6% QoQ
|
+16.1% |
85.4%
+0.7% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 13.3% in tier |
| AMR |
$37,741
+3.7% YoY+0.1% QoQ
|
+$4K |
$33,660
-2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
21.8%
-26.2% YoY+1.0% QoQ
|
-7.1% |
28.9%
-1.3% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
20% |
| Indirect Auto % |
5.6%
+28.8% YoY+23.2% QoQ
|
-11.0% |
16.6%
-10.3% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
23% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)