WINGS FINANCIAL

Charter #68601 | MN

7B-10B (30 CUs) Large (64 CUs)
1 7B-10B in MN

WINGS FINANCIAL has 5 strengths but faces 4 concerns

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 17.1% in tier
  • + Wallet Share Momentum: Top 21.4% 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
  • - Liquidity Overhang: Bottom 41.8% 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
 Bottom 20.0% in tier
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
 67th in tier
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
 Top 23.3% in tier
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
 33rd in tier
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
 43rd in tier
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
 47th in tier
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
 Bottom 16.7% in tier
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
 Top 23.3% in tier
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
 Bottom 20.3% in tier
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
 Bottom 23.4% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#17 of 50 • Top 10.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.99%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 5.63%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | New qualifier

Organic Growth Leader

growth
#10 of 28 • Top 10.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.99%
(Tier: 3.07%, National: 9.37%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | New qualifier

Relationship Depth Leader

growth
#21 of 46 • Top 17.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.74%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.5K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#26 of 46 • Top 21.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.74%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk
#3 of 32 • Bottom 2.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 101.58%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.96%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank improving

Liquidity Overhang

risk
#24 of 24 • Bottom 41.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.28%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 101.58%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY | New qualifier

Flatlined Growth

risk
#4 of 6 • Bottom 50.0% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $9.39B
(Tier: $8.92B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 0.93%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
6 of 64 Large CUs have this signature | 82 nationally
→ Stable (3→6 CUs) +3 CUs YoY | 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)

Comparing against 30 peers in tier

Top Strengths (8 metrics)

4
Loan-to-Share Ratio
balance_sheet
Value: 101.58%
Peer Avg: 85.44%
#4 of 30 Top 10.0% in 7B-10B tier
5
Loan Growth Rate
growth
Value: 9.96%
Peer Avg: 3.91%
#5 of 30 Top 13.3% in 7B-10B tier
5
Indirect Auto Concentration (%)
balance_sheet
Value: 5.63%
Peer Avg: 18.85%
#5 of 30 Top 13.3% in 7B-10B tier
6
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Avg: 0.67%
#6 of 30 Top 16.7% in 7B-10B tier
6
Loan-to-Member Ratio (LMR)
engagement
Value: $19,019
Peer Avg: $15,544
#6 of 30 Top 16.7% in 7B-10B tier
7
Average Member Relationship (AMR)
engagement
Value: $37,741
Peer Avg: $33,660
#7 of 30 Top 20.0% in 7B-10B tier
7
Total Loans
balance_sheet
Value: $7.25B
Peer Avg: $6.34B
#7 of 30 Top 20.0% in 7B-10B tier
8
Share Certificate Concentration (%)
balance_sheet
Value: 21.77%
Peer Avg: 26.92%
#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (3 metrics)

27
Net Interest Margin (NIM)
profitability
Value: 2.45%
Peer Avg: 3.00%
#27 of 30 Bottom 13.3% in 7B-10B tier
27
First Mortgage Concentration (%)
balance_sheet
Value: 53.06%
Peer Avg: 38.48%
#27 of 30 Bottom 13.3% in 7B-10B tier
24
Total Members
engagement
Value: 381,281
Peer Avg: 459,296
#24 of 30 Bottom 23.3% in 7B-10B tier