BlastPoint's Credit Union Scorecard
FAIRWINDS
Charter #68417 · FL
FAIRWINDS has 6 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 4.7% in tier
- + Organic Growth Engine: Top 4.7% in tier
- + Emerging Performer: Top 63.6% in tier
- + Strong member growth: 7.7% YoY
- + Member Growth Rate: Top 2.6% in tier
- + Net Charge-Off Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23.4% in tier
- - Credit Risk Growth: Bottom 42.2% in tier
- - Shrinking Wallet Share: Bottom 95.3% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 11.07% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 7.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in Florida.
- Shares and deposits +4.7% year over year ($4.80B in shares and deposits).
- Membership: 258,151 members, +7.7% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 0.77%.
- Efficiency ratio 76.25% vs a 65.18% peer average.
- Loan-to-share ratio 71.59% vs a 85.64% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
258,151
+7.7% YoY+2.2% QoQ
|
-52.8K |
310,918
+6.0% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$5.3B
+5.6% YoY+1.0% QoQ
|
$-448.2M |
$5.8B
-1.1% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$3.4B
+5.3% YoY+0.9% QoQ
|
$-763.2M |
$4.2B
-0.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.8% in tier |
| Deposits |
$4.8B
+4.7% YoY+1.0% QoQ
|
$-93.6M |
$4.9B
-1.3% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
49% |
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| ROA |
0.8%
-4.6% YoY-18.6% QoQ
|
-0.2% |
0.9%
+35.3% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
41% |
| NIM |
2.5%
+3.1% YoY-3.7% QoQ
|
-0.7% |
3.2%
+9.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio |
76.3%
+1.8% YoY+5.8% QoQ
|
+11.1% |
65.2%
-9.0% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
0.5%
+61.5% YoY+64.0% QoQ
|
-0.3 |
0.8%
+23.8% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
71.6%
+0.6% YoY-0.1% QoQ
|
-14.1% |
85.6%
-0.2% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.8% in tier |
| AMR |
$31,912
-2.5% YoY-1.2% QoQ
|
$-97 |
$32,010
-7.3% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
23.0%
-14.4% YoY-6.1% QoQ
|
-5.3% | 28.3% | 24.7% | 20.0% | 26% |
| Indirect Auto % |
10.6%
+12.1% YoY+5.8% QoQ
|
-6.3% | 16.8% | 10.8% | 7.7% | 35% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)