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
Call Report peers
FAIRWINDS in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); FAIRWINDS sits in 100 with 34 others.
100 Top 1% higher than 99% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- No Florida credit union scores higher; the runner-up, Achieva Credit Union (#2) ties at 100/100.
FAIRWINDS: 2025Q4 → 2026Q1
FAIRWINDS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $5.05B (2025Q4) to $5.29B (2026Q1).
- Net-worth ratio shifted +0.06 pp (11.08% → 11.14%).
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
Every pillar scores full marks, so all five contribute their maximum.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is FAIRWINDS financially healthy?
FAIRWINDS has a financial health score of 100/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #26 of 4,374 nationally on health and #1 of 109 in Florida. Its net worth ratio is 11.14% and its delinquency rate 0.29%.
How does FAIRWINDS compare to other credit unions?
FAIRWINDS scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (1.10% vs 0.51%). Its widest shortfall is loan-to-share ratio (74.92% vs 83.90%).
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?
FAIRWINDS is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.