FAIRWINDS

Charter #68417 | FL

5B-7B (34 CUs) Large (64 CUs)
1 5B-7B in FL

FAIRWINDS has 7 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.7% in tier
  • + Emerging Performer: Top 5.8% in tier
  • + Organic Growth Leader: Top 6.0% in tier
  • + Relationship Depth Leader: Top 9.4% in tier
  • + Wallet Share Momentum: Top 22.2% in tier
  • + ROA 0.36% above tier average
  • + Net Charge-Off Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 23.8% in tier
  • - Efficiency ratio 0.00% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 243,453
+4.7% YoY+1.6% QoQ
 -46.3K 289,724
-2.8% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Bottom 23.5% in tier
Assets $5.1B
+5.5% YoY+0.8% QoQ
 $-695.3M $5.8B
+0.2% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Bottom 8.8% in tier
Loans $3.3B
+8.5% YoY+2.1% QoQ
 $-752.0M $4.1B
-3.1% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Bottom 11.8% in tier
Deposits $4.6B
+8.5% YoY+0.1% QoQ
 $-298.6M $4.9B
+2.2% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 1.2%
-12.3% YoY+44.5% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Top 17.6% in tier
NIM 2.5%
+12.7% YoY+1.9% QoQ
 -0.4% 2.9%
+3.9% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Bottom 20.6% in tier
Efficiency Ratio 68.1%
+3.3% YoY-9.0% QoQ
 +0.0% 68.1%
-1.7% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 47th in tier
Delinquency Rate 0.2%
-26.3% YoY-14.3% QoQ
 -0.4 0.6%
-2.2% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Bottom 11.8% in tier
Loan To Share 72.6%
+0.1% YoY+2.0% QoQ
 -11.1% 83.6%
-5.7% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Bottom 14.7% in tier
AMR $32,533
+3.6% YoY-0.6% QoQ
 $-2K $34,398
+4.0% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 53rd in tier
CD Concentration 27.0%
+12.1% YoY+0.1% QoQ
 -1.9% 28.9%
-1.3% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 42nd in tier
Indirect Auto % 9.4%
+23.0% YoY+0.1% QoQ
 -7.2% 16.6%
-10.3% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 31st in tier

Signature Analysis

Strengths (5)

Organic Growth Engine

growth
#8 of 50 • Top 4.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.72%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 1.16%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 9.43%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Emerging Performer

growth
#6 of 31 • Top 5.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.16%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Member Growth (YoY): 4.72%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | New qualifier

Organic Growth Leader

growth
#6 of 28 • Top 6.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.72%
(Tier: 3.07%, National: 9.37%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank improving

Relationship Depth Leader

growth
#12 of 46 • Top 9.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.59%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.6K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank improving

Wallet Share Momentum

growth
#27 of 46 • Top 22.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.59%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank improving

Concerns (1)

Margin Compression

decline
#6 of 8 • Bottom 23.8% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.16%
(Tier: 0.91%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.16% points
(Tier: 0.13% points, National: 0.05% points)
worse than tier avg
Total Assets: $5.10B
(Tier: $5.79B, National: $547.69M)
worse than tier avg
8 of 64 Large CUs have this signature | 169 nationally
→ Stable (8→8 CUs) | New qualifier

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)

Comparing against 34 peers in tier

Top Strengths (5 metrics)

4
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.57%
#4 of 34 Top 8.8% in 5B-7B tier
5
Fee Income Per Member
profitability
Value: $319.92
Peer Avg: $213.89
#5 of 34 Top 11.8% in 5B-7B tier
5
Total Delinquency Rate (60+ days)
risk
Value: 0.24%
Peer Avg: 0.62%
#5 of 34 Top 11.8% in 5B-7B tier
6
Return on Assets (ROA)
profitability
Value: 1.16%
Peer Avg: 0.80%
#6 of 34 Top 14.7% in 5B-7B tier
9
Member Growth Rate
growth
Value: 4.72%
Peer Avg: 3.26%
#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (4 metrics)

31
Total Assets
balance_sheet
Value: $5.10B
Peer Avg: $5.79B
#31 of 34 Bottom 11.8% in 5B-7B tier
30
Total Loans
balance_sheet
Value: $3.33B
Peer Avg: $4.08B
#30 of 34 Bottom 14.7% in 5B-7B tier
29
Loan-to-Share Ratio
balance_sheet
Value: 72.57%
Peer Avg: 83.64%
#29 of 34 Bottom 17.6% in 5B-7B tier
27
Net Interest Margin (NIM)
profitability
Value: 2.47%
Peer Avg: 2.90%
#27 of 34 Bottom 23.5% in 5B-7B tier