Fairwinds
Orlando, FL · Charter 68417 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 32 branches
Q2 2026
$5.3BAssets
$3.4BLoans
$4.8BShares
$580.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of credit unions $1B-$10B in assets (rank 115 of 435).
- Widest gap: net interest margin trails 93% of credit unions $1B-$10B in assets (rank 403 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.77%
Rank 239 of 435
Net Interest Margin
2.48%
Rank 403 of 435
Efficiency Ratio
76.25%
Rank 301 of 435
Equity / Assets
10.86%
Rank 215 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.55% | 0.81% | 1.14% | Beats 45% | 239 / 435 | |
| Return on Equity | 7.04% | 5.12% | 7.41% | 9.70% | Beats 45% | 238 / 435 | |
| Net Interest Margin | 2.48% | 3.01% | 3.39% | 3.75% | Beats 7% | 403 / 435 | |
| Efficiency Ratio | 76.25% | 65.25% | 71.39% | 77.86% | Beats 31% | 301 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.45% | 0.69% | 1.05% | Beats 74% | 115 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.86% | 9.81% | 10.84% | 12.63% | Beats 51% | 215 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.86% | 9.81% | 10.84% | 12.63% | Beats 51% | 215 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 71.59% | 78.33% | 88.38% | 95.61% | 16th pctl | 367 / 435 | |
| Loans / Assets | 64.34% | 67.69% | 74.58% | 80.80% | 18th pctl | 356 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |