Wings Credit Union
Legal name: Ent Credit Union
Nonprofit profile at a glance
- EIN
- 840470451
- IRS 990 coverage
- 2016–2024
- Official website data refreshed
- Aug 2026
- Forms available
- Form 990 2024, Form 990-N 2023
- Location
- Colorado Springs, CO, USA
- Phone
- (970) 792-6728
- Rating confidence
- Limited
Reported finances
- Revenue
- $594,695,379
- Expenses
- $525,410,231
- Assets
- $9,839,179,338
- Liabilities
- $8,862,411,740
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
24 people listed
Executive titles in this filing
- GRAVES CHAD M (PRESIDENT/CEO)
Highest reported compensation
- GRAVES CHAD M (PRESIDENT/CEO): $1,895,916 total reported compensation
- DOMBROWSKI STEPHANIE S (MORT LOAN OFFICER): $1,206,756 total reported compensation
- GENDRON MATTHEW J (CHIEF ENGAGEMENT OFFICER): $1,045,579 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Our members are our mission.
What it reported doing in 2024
Ent credit union serves 21 counties throughout Colorado, along the front range. The credit union improves our members' financial quality of life by offering a full array of products and services, including depository and loan products, atm/debit program, financial education, insurance, and investment sales. We ended the year with 556,751 members. There were 67,592 loans granted totaling $3,066,494,278. Ent credit union currently offers 59 branch locations with a wide array of remote options through our cooperation with the coop atm network, shared branch network, and online mobile banking solutions.
Operating model
- Revenue model
- Earned-program. 93% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 77
- Accountability: 95
- Sustainability: 71
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 88.9%; rating input score 89; 3rd percentile among comparable filings
- Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 79.6%; rating input score 80; 17th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
- Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 11.7%; rating input score 76; 76th percentile among comparable filings
- Total-asset coverage ratio: 18.73; rating input score 96; 96th percentile among comparable filings
- Liabilities to assets ratio: 0.9; rating input score 12; 12th percentile among comparable filings
- Officer compensation ratio: 2.3%; rating input score 49; 49th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 14.5% per year; rating input score 100; 88th percentile among comparable filings
- Asset growth: 10% per year; rating input score 100; 70th percentile among comparable filings
Details
- What they do: 3 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 9 of 9 board members independent · 8 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $1.9M · 24 people listed · 4 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $2.4M reported
- Consistency: 10 of 11 current checks pass · 1 finding to review
- Schedules: 5 filed schedules · includes grants and executive pay
- Filing history: 9 filing years from 2016 to 2024
- Contacts: How to reach this organization
- Money network: 78 filed money-flow records
- Related organizations: 56 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- Review — Accountability: Governance controls: Form 990 shared with the board not reported.
- High — Sustainability: Liabilities to assets ratio scored 12/100.
- Moderate — Sustainability: Officer compensation ratio scored 49/100.