BlastPoint's Credit Union Scorecard
FAIRWINDS
Charter #68417 · FL
FAIRWINDS has 7 strengths but faces 2 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 3.6% in tier
- + Organic Growth Engine: Top 5.7% in tier
- + Emerging Performer: Top 10.5% in tier
- + ROA 0.27% above tier average
- + Strong member growth: 6.0% YoY
- + Total Delinquency Rate (60+ days): Top 8.6% in tier
- + Net Charge-Off Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.39% above tier (higher cost structure)
- - Total Assets: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
247,428
+6.0% YoY+1.6% QoQ
|
-44.9K |
292,342
-2.4% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$5.1B
+6.9% YoY-0.9% QoQ
|
$-691.9M |
$5.7B
-0.2% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.7% in tier |
| Loans |
$3.4B
+8.7% YoY+1.8% QoQ
|
$-773.7M |
$4.2B
-1.6% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.6% in tier |
| Deposits |
$4.5B
+5.3% YoY-1.4% QoQ
|
$-320.3M |
$4.8B
+0.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
31% |
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 |
1.1%
-6.8% YoY-6.8% QoQ
|
+0.3% |
0.8%
+27.9% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
2.5%
+11.8% YoY+0.5% QoQ
|
-0.6% |
3.0%
+8.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
69.7%
+2.4% YoY+2.3% QoQ
|
+2.4% |
67.3%
-3.7% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.3%
-20.9% YoY+19.8% QoQ
|
-0.5 |
0.8%
+17.5% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.6% in tier |
| Loan To Share |
74.9%
+3.3% YoY+3.2% QoQ
|
-11.0% |
85.9%
-2.6% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$32,004
+0.7% YoY-1.6% QoQ
|
$-2K |
$34,289
+3.5% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
26.1%
+0.4% YoY-3.2% QoQ
|
-3.1% | 29.1% | 24.1% | 19.8% | 34% |
| Indirect Auto % |
9.6%
+22.8% YoY+2.2% QoQ
|
-7.5% | 17.1% | 10.8% | 7.8% | 30% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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 (0)
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)