Wings Financial
Apple Valley, MN · Charter 68601 · Peer group: credit unions $1B-$10B in assets (n=428)
NCUA · 32 branches
Q4 2025
$9.3BAssets
$7.3BLoans
$7.3BShares
$1.2BNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of credit unions $1B-$10B in assets (rank 59 of 428).
- Widest gap: net interest margin trails 87% of credit unions $1B-$10B in assets (rank 371 of 428).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.92%
Rank 130 of 428
Net Interest Margin
2.52%
Rank 371 of 428
Efficiency Ratio
62.25%
Rank 64 of 428
Equity / Assets
12.60%
Rank 97 of 428
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.47% | 0.71% | 1.00% | Beats 70% | 130 / 428 | | |
| Return on Equity | 7.33% | 4.35% | 6.65% | 8.96% | Beats 60% | 172 / 428 | | |
| Net Interest Margin | 2.52% | 2.83% | 3.23% | 3.60% | Beats 13% | 371 / 428 | | |
| Efficiency Ratio | 62.25% | 65.54% | 72.60% | 78.49% | Beats 85% | 64 / 428 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.46% | 0.75% | 1.06% | Beats 86% | 59 / 428 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.60% | 9.74% | 10.76% | 12.36% | Beats 77% | 97 / 428 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.60% | 9.74% | 10.76% | 12.36% | Beats 77% | 97 / 428 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.82% | 77.85% | 88.44% | 95.44% | 86th pctl | 61 / 428 | | |
| Loans / Assets | 78.42% | 67.70% | 74.57% | 80.54% | 65th pctl | 150 / 428 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |