Fairwinds Credit Union
Total assets
$5.29B
▲ +6.0% YoY
Shares & deposits
$4.75B
▲ +4.8% YoY
Loans
$3.41B
▲ +7.5% YoY
Members
252,617
▲ +6.8% YoY
ROA (annualized)
0.94%
peers 0.71%
ROE (annualized)
8.73%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Fairwinds Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +5.1% | +0.8 pts |
| Share growth (YoY) | +4.8% | +4.9% | -0.1 pts |
| Loan growth (YoY) | +7.5% | +5.4% | +2.0 pts |
| ROA | 0.94% | 0.71% | +0.2 pts |
| ROE | 8.7% | 6.3% | +2.4 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 135 W Central Blvd, Suite 1220, Orlando, FL, 32801
- NCUA charter #
- 68417
- RSSD ID
- 414371
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.29B | $4.75B | $3.41B | $572.2M | $12.5M | 0.94% | 2.59% | 0.28% | 252,617 |
| Q4 2025 | $5.05B | $4.53B | $3.39B | $559.7M | $55.1M | 1.09% | 2.49% | 0.29% | 247,428 |
| Q3 2025 | $5.10B | $4.59B | $3.33B | $549.0M | $44.4M | 1.16% | 2.46% | 0.24% | 243,453 |
| Q2 2025 | $5.06B | $4.59B | $3.26B | $525.2M | $20.2M | 0.80% | 2.41% | 0.29% | 239,737 |
| Q1 2025 | $4.99B | $4.54B | $3.17B | $515.8M | $10.9M | 0.87% | 2.41% | 0.23% | 236,437 |
| Q4 2024 | $4.73B | $4.30B | $3.12B | $505.0M | $55.6M | 1.18% | 2.24% | 0.37% | 233,470 |
| Q3 2024 | $4.83B | $4.23B | $3.07B | $496.9M | $47.5M | 1.31% | 2.16% | 0.33% | 232,476 |
| Q2 2024 | $4.72B | $4.17B | $3.06B | $474.0M | $24.3M | 1.03% | 2.17% | 0.31% | 231,162 |
Loan mix (Q1 2026): real estate $1.63B · commercial $1.03B · consumer $737.9M · securities $1.13B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Fairwinds Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.71% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 6.3% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.59% | 3.32% | 12th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 73.0% | 47th | |
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% |
Balance sheet
| Ratio | Fairwinds 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% |
Capital
| Ratio | Fairwinds 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% |
Credit quality
| Ratio | Fairwinds 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% |
Franchise
| Ratio | Fairwinds 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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