State credit union · ORLANDO, Florida · NCUA charter #68417
Fairwinds
Health score 100/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $5.05B
- Total assets
- 247,428
- Members
- 11.1%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 100/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.07% | 30% |
| Delinquency Rate | 0.29% | 25% |
| Return on Assets | 1.10% | 15% |
| Member Growth | 5.98% | 15% |
| Loan-to-Share Ratio | 74.92% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Fairwinds
Headquartered in ORLANDO, Florida, Fairwinds is a state credit union with 247,428 members, $5.05B in total assets, and $3.39B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 100/100 (Excellent), driven in part by a net worth ratio of 11.07% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68417 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 74.92% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.29% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 1.10% on net income of $55.6M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.98%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Fairwinds financially healthy?
A 11.07% 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. 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 11.07% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.