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Wings Financial

Apple Valley, MN · Charter 68601

NCUA · 32 branches

Q4 2025

$9.3BAssets
$7.3BLoans
$7.3BShares
$1.2BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.92%, up 75 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.34% of loans (-29 bps YoY).
  • Capital: net worth / assets of 12.60%, up 97 bps from a year ago.
  • Funding: loans stand at 99.82% of shares as of Q4 2025.

Financial Results

Return on Assets (quarter, annualized)

0.92%+75 bps YoY

Net Interest Margin (quarter, annualized)

2.52%+48 bps YoY

Efficiency Ratio (quarter, annualized)

62.25%-868 bps YoY

Net Worth / Assets

12.60%+97 bps YoY

Discrete quarter, annualized.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.17%0.50%0.71%0.90%0.92%+75 bps
Return on Equity1.47%4.41%6.00%7.36%7.33%+586 bps
Net Interest Margin2.04%2.18%2.32%2.46%2.52%+48 bps
Efficiency Ratio70.93%68.70%65.29%62.12%62.25%-868 bps
Growth
Asset Growth (YoY)-2.42%-1.86%1.60%0.93%-0.51%+191 bps
Loan Growth (YoY)3.52%5.16%7.20%9.96%7.45%+393 bps
Share Growth (YoY)3.73%5.00%5.69%5.84%4.37%+65 bps
Asset Quality
Delinquent Loans / Loans0.62%0.52%0.31%0.28%0.34%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.63%11.35%11.86%12.28%12.60%+97 bps
Net Worth / Assets11.63%11.35%11.86%12.28%12.60%+97 bps
Liquidity & Funding
Loans / Shares96.96%95.79%99.00%101.58%99.82%+286 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps