# FAIRWINDS
ORLANDO, FL · NCUA charter 68417 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fairwinds-68417

Who the members are: state charter, organized 1949, low-income designated. 252,617 members of 19,674,013 potential (1.3% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.29B |
| Members | 252,617 (6.8% YoY) |
| Full-time staff | 598 |
| Net worth | $572.2M |
| Net worth ratio | 10.8% (p54 of band) |
| ROA (annualized) | 0.94% (p71 of band) |
| Total delinquency | 0.28% (p13 of band) |
| Net charge-offs (annualized) | 0.15% (p11 of band) |
| Loans / shares | 72% (p18 of band) |
| Cash / assets | 9.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.59% (p12 of band) |
| Operating expense / assets | 2.79% (p28 of band) |
| Vehicles % of loans | 18% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 55% |
| Third-party paper % of net worth | 63% (p28 of band) |
| Vehicle delinquency | 0.13% (p6 of band) |
| Vehicle NCO | 0.36% (p10 of band) |
| Repossessed % of vehicle book | 0.09% (p56 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 180% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 25% |
| Average share balance | $7,138 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $31.1M |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $27,885 |
| Loans granted, annualized | $1.36B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $31.1M outstanding purchased (5.4% of net worth), $24.3M sold and retained. Sold in 3 and bought in 3 of the last 8 quarters. Shares 4.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | 3rd-party paper>100% NW |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 0 |  | 3rd-party paper>100% NW |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | thin capital | margin squeeze |
| 2021-06 | 0 |  | net worth falling, thin capital |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 2 | thin capital |  |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 0 |  | thin capital |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 | assets shrinking | delinquency rising |
| 2023-09 | 0 |  | assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-09 [FAIRWINDS Foundation Announces Recipients of 2026 Grants - Florida Chamber of Commerce](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQMmUyOEt1eE9JTVFidVNCd3pldl83cTQzbE9ueXV3aGlZczdEbXE5T0dmUnRKNU5MSDM4TEtsd1M0Y0NqQ2k0NXRRU1FpRVJrX1FHWlZCZ2l5cDhUMk1TR2l5Q0UwMmZGZXBlNVZ1cDBQMVVtM1pHWW1iV0todGJsZHJETE9WeGtHd1VF0gGLAUFVX3lxTFAyZTI4S3V4T0lNUWJ1U0J3emV2XzdxNDNsT255dXdoaVlzN0RtcTlPR2ZSdEo1TkxIMzhMS2x3UzRjQ2pDaTQ1dFFTUWlFUmtfUUdaVkJnaXlwOFQyTVNHaXlDRTAyZkZlcGU1VnVwMFAxVW0zWkdZbWJXS2h0YmxkckRMT1Z4a0d3VUU?oc=5) · Florida Chamber of Commerce
- 2026-07-10 [Turbocharged AI - Florida Trend](https://news.google.com/rss/articles/CBMic0FVX3lxTE1hNXI5X0NUQkRFdmZxTTVDZWVTOGpOQmk3OTlsSE1JVDJNUjZXeFVTczQ0UnBrOXlsbGtMajVlMGZIT1BOdkZOLTF1X25MNzFGVlh6c19PdXdtUnEtMGdCeDJmWHdhaDhvalVlWXhaQ2g5TVU?oc=5) · Florida Trend
- 2026-07-14 [5 Things to Know About the Fairwinds Credit Card - NerdWallet](https://news.google.com/rss/articles/CBMidkFVX3lxTFAxdUF3Y3Eyb1RJbHlobnNDTWRVdFVwc3hrRmtfbGRNd3lMS2x1SDMybEV0cm0xU3JZNnhsOGFuei1IN0x5Nm9uaThuVE5lSkJrWU05RmVncmppaHJaZEsxRVo1SmZ4ZnNhSldudTVzV2JWckpqVGc?oc=5) · NerdWallet
- 2021-03-09 [Profiles in Business: FAIRWINDS Credit Union - Orlando Economic Partnership](https://news.google.com/rss/articles/CBMif0FVX3lxTE5EN2pZcGlURzVPUFJFQVJ5LTZ4Z2NCOWR3NktrdXB5LTVIUnAxeUJkeFJBamFGYXFVX3JLMnc1RXZBdEczR0lZNU40a20yTjRfMF9yVVh0dDhsZDJsbHBZRU1nbkY3N2J2RUxhTXEyOHJ6d2d5NFNtOHBEdlFTQkE?oc=5) · Orlando Economic Partnership
- 2022-03-17 [FAIRWINDS Credit Union announces acquisition of Friends Bank - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUEZtcWZWb2RuLVJsdFE3ZFdjUGtLZ1Q1MXpqZUcwVWpWbmI4YTZQVTJXNGhxUFRsb3NENlJOV24yVEZYell1R3dMVmsxNFFhbGZYdmNNMnpxeXVtaV85cW15c01IOGZidnZmaHozSDJRd0I2OGRfb2gwMl8wR2dhNmFZaDFRX3VPelprWWR5QVVvXzZLQl9UY1M0NnhIekhzVjE0?oc=5) · CUInsight
- 2024-11-20 [Fairwinds Credit Union Review - businessinsider.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxObGVMcTFTdEd6T3JpYzc4ZmFpTUVIZ1A5a3g1RGRGNVJRQ1ltcHVCQTNhclkyTUdnbm95UWRjTnVJaHM0N0VuWUVSR203eWdJQWlvZUkzeXp1aGdvZXcwS003eFlMbEd4eEVMT01TcWRvamhkZ25WNVFBT2JQQnNURWd2ZXNCbW9KdGVBeDdRbw?oc=5) · businessinsider.com
- 2021-08-19 [FAIRWINDS Credit Union Announces Acquisition of Citizens Bank of Florida - Yahoo Finance](https://news.google.com/rss/articles/CBMilAFBVV95cUxQcHFGbHdlMTVYRE1mRnRTdlhpTVlueU5OQ1pSOVJuS1lUbmVlTExUblEyLWoxSG9jNUowWEVNa1RqYzhfSXFUQUxKQmRzRWRXaXRIeWtjWXNxLW5nYzY1N1ZDQW9QSXlRY1p0RVlvck1BMG9BRGdGQV80dUpLWFdFLTA5UW9vUUs2ZlBQck5Ha2dvVl9k?oc=5) · Yahoo Finance
- 2025-03-30 [Q2 Helps FAIRWINDS Credit Union Transform its Business Member Digital Experience - FinTech Futures](https://news.google.com/rss/articles/CBMixAFBVV95cUxQNHpZUDlsY0xCTE9ZaTZJTS00cl93cjdnY1VwenRQTnpWVlNyT1NMbWNybEtENGRGTnpScUNYRHlYN2JZX3U5LUZrNEJQS2hDclo3ZUV4YnpMQ2lPVm50ek9kMmFhTDU2bXh4T0c3YVhRVVhKeGFyTWZjRWVodWJUNDJwNUphMEh4VElMd0RFMXdFeFJYLTFrZFY5QXItZkNSWWdZVV80UEtxbXlFVUlTazdWQi1BUy0zTTI2MTdtQmRaVElB?oc=5) · FinTech Futures

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68417 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/1.json (key "68417", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68417
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide