FAIRWINDS
Charter #68417 · ORLANDO, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 252,617 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.65% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.81% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.28% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.15% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FAIRWINDS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.29B | 83th pct | 79th pct |
| Members | 252,617 | 79th pct | 80th pct |
| Net worth ratio | 11.14% | 58th pct | 59th pct |
| Return on average assets | 0.97% | 71th pct | 66th pct |
| Net interest margin | 2.65% | 13th pct | 11th pct |
| Cost of funds | 0.81% | 17th pct | 8th pct |
| Loan-to-share | 71.67% | 17th pct | 26th pct |
| Delinquency 60+ days | 0.28% | 13th pct | 16th pct |
| Net charge-off ratio | 0.15% | 10th pct | 13th pct |
| Loan growth YoY | 2.29% | 58th pct | 57th pct |
| Share growth YoY | 3.57% | 40th pct | 47th pct |
| Efficiency ratio | 72.10% | 48th pct | 52th pct |
structural peer set hash: 3a0ebc8d0170b058fc037a46a27ad61e… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.