| Metric | Wings Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +94.8% | +7.0% | +87.8 pts |
| Share growth (YoY) | +85.1% | +6.6% | +78.5 pts |
| Loan growth (YoY) | +80.7% | +7.6% | +73.1 pts |
| ROA | 0.47% | 0.87% | -0.4 pts |
| ROE | 4.0% | 9.2% | -5.2 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.38B | $16.00B | $16.08B | $2.29B | $45.7M | 0.47% | 3.75% | 0.64% | 958,216 |
| Q1 2026 | $19.48B | $16.21B | $15.74B | $2.25B | $-700K | -0.01% | 3.61% | 0.51% | 948,633 |
| Q4 2025 | $9.97B | $8.61B | $8.47B | $1.08B | $49.8M | 0.50% | 3.60% | 0.81% | 590,486 |
| Q3 2025 | $9.71B | $8.32B | $8.48B | $1.08B | $40.4M | 0.55% | 3.66% | 0.63% | 581,730 |
| Q2 2025 | $10.31B | $8.40B | $8.92B | $1.06B | $16.6M | 0.32% | 3.35% | 0.57% | 576,089 |
| Q1 2025 | $10.00B | $8.76B | $8.71B | $1.05B | $6.8M | 0.27% | 3.32% | 0.60% | 558,171 |
| Q4 2024 | $9.84B | $8.56B | $8.47B | $1.04B | $69.3M | 0.70% | 3.34% | 0.60% | 556,751 |
| Q3 2024 | $9.94B | $8.43B | $8.43B | $1.05B | $52.7M | 0.71% | 3.28% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.77% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 7.7% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.08% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 551,273 |
| Q2 2024 | $9.79B | $8.28B | $8.36B | $1.03B | $39.1M | 0.80% | 3.28% | 0.54% | 545,810 |
Loan mix (Q2 2026): real estate $9.74B · commercial $2.77B · consumer $3.12B · securities $1.62B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.1% | 62.8% | 96th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Wings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Wings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Wings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Wings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Wings Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
93 branches in 31 counties across 6 states (+34 vs 2025). Biggest market: El Paso, CO, ranked 1st with 18.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| El Paso, CO | 20 | $2.85B* | 18.19% | 1st |
| Douglas, CO | 8 | $1.14B* | 11.91% | 4th |
| Adams, CO | 6 | $853.9M* | 9.36% | 4th |
| 9 more counties with Pro → | ||||
Colorado: 4th with 4.17% · Denver-Aurora-Centennial metro: 8th, 2.87% · Colorado Springs metro: 1st, 18.51% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 47 · 2023 51 · 2024 58 · 2025 59 · 2026 93