Wings Credit Union
Colorado Spring, CO·Charter 68671·cu:68671·Credit union RBC / net worth
- #1 of 62Total assets in Colorado
- Top 1%Total assets in the U.S.
- 958.2Kmembers
- #4 of 2,812Share growth in the U.S.
- #4 of 2,107Member growth in the U.S.
- #6 of 2,364Loan growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Wings Credit Union
9 of 24 FORFI signals stand out against 24 similar credit unions, based on NCUA data for the quarter.
Commercial lending growing with steady creditStrength: Lending FORFI signal+250.0%peers +7.5%+242.5 pp
Wings Credit Union's member business loans grew faster than at similar credit unions, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Member business loans, 12-month growth | ||
| +250.0% | +7.5% | +242.5 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 24 credit unions with $10 billion or more in assets that filed NCUA data for the same quarter. Wings Credit Union itself is left out of every peer median and percentile. How signals work
Membership growing faster than peersStrength: Membership+66.3%peers +4.1%+62.2 pp
Wings Credit Union's membership grew 66.3% over the past year. The median among 24 similar credit unions was +4.1%.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| +66.3% | +4.1% | +62.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 24 credit unions with $10 billion or more in assets that filed NCUA data for the same quarter. Wings Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio rising faster than peersStrength: Capital11.84%peers 10.42%+1.4 pp
Wings Credit Union's net worth ratio rose 1.6 percentage points over the past year to 11.84%. Among 24 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 11.84% | 10.42% | +1.4 pp |
| 12-month change | ||
| +1.6 pp | +0.3 pp | +1.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 24 credit unions with $10 billion or more in assets that filed NCUA data for the same quarter. Wings Credit Union itself is left out of every peer median and percentile. How signals work
Share and deposit costs rising while the peer median fallsWorth a look: Funding 2nd quarter1.75%peers 2.14%-39 bps
Wings Credit Union's cost of all shares and deposits rose 20 bps over the past year to 1.75%. Among 24 similar credit unions, the median fell 16 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 1.75% | 2.14% | -39 bps |
| 12-month change | ||
| +20 bps | -16 bps | +36 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 24 credit unions with $10 billion or more in assets that filed NCUA data for the same quarter. Wings Credit Union itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings 2nd quarter3.88%peers 3.21%+67 bps
Wings Credit Union's net interest margin on average assets rose 33 bps over the past year to 3.88%. Among 24 similar credit unions, the median rose 13 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 3.88% | 3.21% | +67 bps |
| 12-month change | ||
| +33 bps | +13 bps | +20 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 24 credit unions with $10 billion or more in assets that filed NCUA data for the same quarter. Wings Credit Union itself is left out of every peer median and percentile. How signals work
4 more observations
- Member business lending growing faster than peersLending
- Shares and deposits growing faster than peersFunding
- Loans growing faster than peersLending
- Total assets growing faster than peersGrowth
Key facts
- Wings Credit Union is a state-chartered credit union headquartered in Colorado Spring, Colorado. It reported $19.4 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $16.0 billion, up 90.5% from a year earlier, and loans totaled $16.1 billion, up 80.2%.
- Its net interest margin on average assets was 3.88% and its annualized return on assets was 0.96% for the quarter.
- Its cost of all shares and deposits was 1.75%, compared with a median of 2.14% among 24 similar credit unions with $10 billion or more in assets.
- It served 958,216 members, up 66.3% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Wings Credit Union's own data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
Analysis workspaces
Sources and identifiers
- Institution
- Wings Credit Union · Credit union
- NCUA charter
- 68671
- Reporting period
- Peer group
- 24 credit unions with $10 billion or more in assets that filed NCUA data for the same quarter. Wings Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $46.39M | |
| $264.02M | |
| $76.19M | |
| $187.83M | |
| $44.49M | |
| $164.5M | |
| $21.38M | |
| $21.43M | |
| 0.96% | |
| 3.88% | |
| 70.81% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.