State credit union · Apple Valley, Minnesota · NCUA charter #68601
Wings Financial
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $9.32B
- Total assets
- 384,731
- Members
- 12.6%
- Net-worth ratio
Wings Financial scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.32B; members 384,731; net-worth ratio 12.60%; health rank #1,255 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,255 of 4,374 health · 2025Q4Wings Financial · health 89/100 · $9.32B · 2025Q4
Call Report peers
Wings Financial in the assets neighbourhood
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Wings Financial vs every NCUA-scored credit union
Wings Financial sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Wings Financial
- Largest favorable gap: Loan-to-Share Ratio at 99.82% vs peer 83.90% (+15.92 pp).
- Widest shortfall vs peers is Return on Assets: -0.34 pp (0.17% vs 0.51%).
Wings Financial: in-state Call Report ranks
- In Minnesota, health place is #35 of 82 on the same NCUA-ratio sort used nationally.
- Minnesota assets place: #1 of 82.
- Membership ranks #1 of 82 among Minnesota CUs with a reported count (384,731 members).
- One place up in Minnesota, Alexandria Schools Employees (#34) ties at 89/100; one place down, Minnesota Catholic (#36) ties at 89/100.
Quarter path for Wings Financial
Wings Financial: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved -0.5% from $9.37B (2024Q4) to $9.32B (2025Q4).
- Membership moved +3.5% from 371,746 to 384,731 over the same window.
- Net-worth ratio shifted +0.97 pp (11.63% → 12.60%).
12.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Wings Financial gives up 11 points in total. Return on Assets costs the most, 4.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.1 pts
- Member Growth 13.2 pts
- Loan-to-Share Ratio 10.7 pts
Wings Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.60% | +1.42 pp |
| Delinquency Rate | 0.34% | -0.54 pp |
| Return on Assets | 0.17% | -0.34 pp |
| Member Growth | 3.49% | - |
| Loan-to-Share Ratio | 99.82% | +15.92 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Wings Financial
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $9.32B | 384,731 |
| 2024Q4 | $9.37B | 371,746 |
| 2023Q4 | $9.60B | 364,186 |
Credit Union Details
- Charter Number
- 68601
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Minnesota
- City
- Apple Valley
- Data Quarter
- 2025Q4
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Cross-state Call Report peers for Wings Financial
Using this data
- Wings Financial ranks #1,255 of 4,374 nationally on financial health and #35 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Trustone Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Trustone Financial
Frequently Asked Questions
Is Wings Financial financially healthy?
Wings Financial has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,255 of 4,374 nationally on health and #35 of 82 in Minnesota. Its net worth ratio is 12.60% and its delinquency rate 0.34%.
How does Wings Financial compare to other credit unions?
Wings Financial scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (99.82% vs 83.90%). Its widest shortfall is return on assets (0.17% vs 0.51%).
How can I join Wings Financial?
Membership eligibility for Wings Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wings Financial directly for current membership requirements and application steps.
Is my money safe at Wings Financial?
Wings Financial is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Wings Financial's net worth ratio of 12.60% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.