BlastPoint's Credit Union Scorecard
FAIRWINDS
Charter #68417 · FL
FAIRWINDS has 6 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 Engine: Top 4.7% in tier
- + Organic Growth Leader: Top 6.0% in tier
- + Emerging Performer: Top 25.0% in tier
- + Credit Quality Leader: Top 53.3% 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
|
24% |
| 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
|
38% |
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| 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
|
82% |
| 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
|
21% |
| 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
|
47% |
| 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
|
53% |
| 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
|
42% |
| 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
|
31% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)