PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fairwinds

Orlando, FL · Charter 68417

NCUA · 32 branches

Q2 2026

$5.3BAssets
$3.4BLoans
$4.8BShares
$580.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.77%, down 4 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.46% of loans (+18 bps YoY).
  • Capital: net worth / assets of 10.86%, up 48 bps from a year ago.
  • Funding: loans stand at 71.59% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.77%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.48%+8 bps YoY

Efficiency Ratio (YTD, annualized)

76.25%+137 bps YoY

Net Worth / Assets

10.86%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%1.16%1.09%0.94%0.77%-4 bps
Return on Equity7.71%10.77%9.85%8.73%7.04%-66 bps
Net Interest Margin2.41%2.46%2.49%2.59%2.48%+8 bps
Efficiency Ratio74.88%68.13%69.67%72.10%76.25%+137 bps
Growth
Asset Growth (YoY)7.29%5.51%6.94%5.97%5.58%-171 bps
Loan Growth (YoY)6.81%8.52%8.71%7.45%5.33%-148 bps
Share Growth (YoY)9.94%8.46%5.25%4.76%4.70%-524 bps
Asset Quality
Delinquent Loans / Loans0.29%0.24%0.29%0.28%0.46%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.38%10.77%11.08%10.82%10.86%+48 bps
Net Worth / Assets10.38%10.77%11.08%10.82%10.86%+48 bps
Liquidity & Funding
Loans / Shares71.16%72.57%74.92%71.67%71.59%+43 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps