State credit union · ORLANDO, Florida · NCUA charter #68417
FAIRWINDS
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $5.05B
- Total assets
- 247,428
- Members
- 11.1%
- Net-worth ratio
FAIRWINDS scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.05B; members 247,428; net-worth ratio 11.14%; health rank #26 of 4,374; healthier than 99th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#26 of 4,374 health · 2025Q4FAIRWINDS · health 100/100 · $5.05B · 2025Q4
- NCUSIF 100/100
- CAMELS 11.1%
- HEALTH 0.29%
- NW 1.10%
- DELQ $5.05B
- ROA 247,428
- ASSETS #26/4,374
- MEM Texas Dow Employees
- RANK 68417
Call Report peers
FAIRWINDS in the assets neighbourhood
FAIRWINDS's $5.05B assets sit next to Texas Dow Employees ($5.04B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FAIRWINDS vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
100 Top 1% higher than 99% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
FAIRWINDS - Share Insurance Coverage
Charter #68417's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
FAIRWINDS vs Over $500M peers
- Largest favorable gap: Return on Assets at 1.10% vs peer 0.51% (+0.59 pp).
- Loan-to-Share Ratio trails the peer set - 74.92% here, 83.90% peer average (-8.98 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Florida standing for FAIRWINDS
- In Florida, health place is #1 of 109 on the same NCUA-ratio sort used nationally.
- By total assets, FAIRWINDS is #5 of 109 in Florida.
- Florida membership ordinal: #7 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
FAIRWINDS: 2025Q4 → 2026Q1
FAIRWINDS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $5.05B (2025Q4) to $5.29B (2026Q1).
- Net-worth ratio shifted +0.06 pp (11.08% → 11.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for FAIRWINDS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.14% | -0.04 pp |
| Delinquency Rate | 0.29% | -0.58 pp |
| Return on Assets | 1.10% | +0.59 pp |
| Member Growth | 5.98% | - |
| Loan-to-Share Ratio | 74.92% | -8.98 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - FAIRWINDS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.29B | - |
| 2025Q4 | $5.05B | 247,428 |
| 2024Q4 | $4.73B | 233,470 |
| 2023Q4 | $4.42B | 227,941 |
Credit Union Details
- Charter Number
- 68417
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- ORLANDO
- Data Quarter
- 2025Q4
Branch Locations (31)
Per its most recent NCUA branch filing, FAIRWINDS runs 31 offices in 20 different cities.
| Office | City |
|---|---|
| Downtown Orlando (Main Office) | Orlando, FL |
| Altamonte Springs | Altamonte Springs, FL |
| Apopka | Apopka, FL |
| Clermont | Clermont, FL |
| Four Corners | Clermont, FL |
| Deland | Deland, FL |
| Deltona | Deltona, FL |
| Edgewater | Edgewater, FL |
| Kissimmee - St Cloud | Kissimmee, FL |
| Lake Mary | Lake Mary, FL |
| Leesburg | Leesburg, FL |
| Longwood | Longwood, FL |
| Mount Dora | Mount Dora, FL |
| New Smyrna Beach | New Smyrna Beach, FL |
| Orange City | Orange City, FL |
| Avalon Park | Orlando, FL |
| Metrowest | Orlando, FL |
| South Semoran | Orlando, FL |
| Universal Studios | Orlando, FL |
| Vista Lakes | Orlando, FL |
| UCF Campus | Orlando, FL |
| Waterford Lakes | Orlando, FL |
| Ormond Beach | Ormond Beach, FL |
| Oviedo - Mitchell Hammock | Oviedo, FL |
| Oviedo - Red Bug | Oviedo, FL |
| Sanford - Lake Forest | Sanford, FL |
| Sanford - Downtown | Sanford, FL |
| Winter Garden | Winter Garden, FL |
| Winter Park | Winter Park, FL |
| Full Sail | Winter Park, FL |
| Tuskawilla | Winter Springs, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
FAIRWINDS nationwide neighbourhoods
Two NCUA Call Report peer sets for FAIRWINDS, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.05B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- FAIRWINDS ranks #26 of 4,374 nationally on financial health and #1 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Campus USA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Campus USA
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is FAIRWINDS financially healthy?
A 11.14% net worth ratio and a 0.29% delinquency rate feed into FAIRWINDS's financial health score of 100/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #26 of 4,374; by total assets it ranks #87 of 4,374 nationally (same basis as /rankings/largest); and #5 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does FAIRWINDS compare to other credit unions?
FAIRWINDS scores 100/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join FAIRWINDS?
Membership eligibility for FAIRWINDS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FAIRWINDS directly for current membership requirements and application steps.
Is my money safe at FAIRWINDS?
Federal credit unions like FAIRWINDS are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. FAIRWINDS's net worth ratio of 11.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FAIRWINDS offer compared to banks?
Credit unions like FAIRWINDS are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact FAIRWINDS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.