BlastPoint's Credit Union Scorecard
FAIRWINDS
Charter #68417 · FL
FAIRWINDS has 8 strengths but faces 4 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 9.4% in tier
- + Organic Growth Engine: Top 9.4% in tier
- + Emerging Performer: Top 40.9% in tier
- + ROA 0.09% above tier average
- + Strong member growth: 6.8% YoY
- + Member Growth Rate: Top 8.1% in tier
- + Total Delinquency Rate (60+ days): Top 8.1% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 28.1% in tier
- - Credit Quality Pressure: Bottom 37.5% in tier
- - Shrinking Wallet Share: Bottom 84.4% in tier
- - Efficiency ratio 5.52% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
252,617
+6.8% YoY+2.1% QoQ
|
-55.2K |
307,793
+7.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$5.3B
+6.0% YoY+4.6% QoQ
|
$-483.3M |
$5.8B
-0.2% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$3.4B
+7.5% YoY+0.4% QoQ
|
$-748.2M |
$4.2B
+0.4% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.8% in tier |
| Deposits |
$4.8B
+4.8% YoY+5.0% QoQ
|
$-142.2M |
$4.9B
+0.2% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
49% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+5.7% YoY-13.0% QoQ
|
+0.1% |
0.9%
+47.0% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
2.6%
+4.9% YoY+4.5% QoQ
|
-0.6% |
3.2%
+9.8% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
72.1%
-0.9% YoY+3.5% QoQ
|
+5.5% |
66.6%
-11.0% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
0.3%
+23.6% YoY-4.2% QoQ
|
-0.4 |
0.7%
+23.3% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
Top 8.1% in tier |
| Loan To Share |
71.7%
+2.6% YoY-4.3% QoQ
|
-13.1% |
84.7%
-0.7% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.5% in tier |
| AMR |
$32,303
-0.9% YoY+0.9% QoQ
|
+$65 |
$32,237
-7.3% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
24.5%
-4.4% YoY-5.9% QoQ
|
-4.1% | 28.6% | 24.4% | 19.8% | 30% |
| Indirect Auto % |
10.0%
+12.4% YoY+3.5% QoQ
|
-6.4% | 16.4% | 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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)