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Fairwinds Credit Union Call Report

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Fairwinds Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 496 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Fairwinds Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number68417
Federal Reserve RSSD ID414371

The official copy: search charter number 68417 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Fairwinds Credit Union call report, Q2 2026

Statement of Financial Condition (42 items)
Fairwinds Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $17.9M
1b. Cash Items in Process of Collection AS0005 $67.2M
1c. Total Cash on Hand 730A $85.2M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $215K
2b. Cash on Deposit in Federal Reserve Bank AS0003 $433.1M
2c. Cash on Deposit in Other Financial Institutions 730B2 $336K
2. Cash on Deposit (total) 730B $433.6M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $518.8M
6. Equity Securities AS0055 $73.7M
8. Available-for-Sale Debt Securities AS0067 $905.3M
9. Held-to-Maturity Debt Securities AS0073 $9K
11. TOTAL INVESTMENT SECURITIES AS0013 $979.0M
12b. Perpetual Contributed Capital 769B $1.3M
12c. All Other Investments AS0016 $120.2M
13. TOTAL OTHER INVESTMENTS AS0017 $121.5M
14. Loans Held for Sale 003 $23.1M
15a. Number of Total Loans and Leases 025A 123,560
15b. Total Loans and Leases 025B $3.44B
17. ACL on Loans and Leases AS0048 $20.4M
18c. Foreclosed/Repossessed - Vehicles AS0024 $178K
18e. Foreclosed/Repossessed Assets (total) 798A $178K
19. Land and Building 007 $92.2M
20. Other Fixed Assets 008 $20.0M
21. NCUA Share Insurance Capitalization Deposit 794 $42.0M
22a. Goodwill 009D2 $71.1M
22b. Mortgage Servicing Rights 779 $8.5M
22c. Other Intangible Assets AS0032 $445K
22d. Accrued Interest on Loans 009A $8.9M
22e. Accrued Interest on Investments 009B $3.6M
22f. All Other Assets 009C $35.6M
22g. Total Other Assets AS0036 $128.3M
23. TOTAL ASSETS 010 $5.34B
Accounts Payable and Other Liabilities 825 $57.5M
Accrued Dividends and Interest Payable 820A $476
Member Shares of All Types 013 $4.79B
Nonmember Deposits 880 $11.9M
Total Shares and Deposits 018 $4.80B
Undivided Earnings 940 $559.4M
Net Income (equity) 602 $20.4M
Total Net Worth 997 $580.2M
Net Worth Ratio 998 11.17%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $5.34B
Statement of Income and Expense (28 items)
Fairwinds Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $88.3M
3. Income from Investments 120 $21.3M
5. TOTAL INTEREST INCOME 115 $109.7M
6. Dividends on Shares 380 $21.1M
7. Interest on Deposits 381 $22.2M
9. TOTAL INTEREST EXPENSE 350 $43.3M
10. NET INTEREST INCOME IS0010 $66.3M
12a. Credit Loss Expense - Loans and Leases IS0011 $3.2M
12e. Total Credit Loss Expense IS0017 $3.2M
13. Fee Income 131 $10.2M
14. Other Operating Income IS0020 $25.4M
15. Gain (Loss) on Equity/Trading Securities IS0046 -$2.4M
16. Gain (Loss) on Other Investments IS0047 -$14K
17. Gain (Loss) on Derivatives 421 $128K
18. Gain (Loss) on Disposition of Fixed Assets 430 $11K
22. Other Non-Operating Income 440 -$148K
23. TOTAL NON-INTEREST INCOME 117 $33.2M
24. Employee Compensation and Benefits 210 $41.6M
25. Travel and Conference 230 $649K
26. Office Occupancy 250 $4.6M
27. Office Operations 260 $10.8M
28. Educational and Promotional 270 $4.4M
29. Loan Servicing 280 $6.7M
30. Professional and Outside Services 290 $6.7M
32. Operating Fees 320 $311K
33. Miscellaneous Operating Expense 360 $184K
34. TOTAL NON-INTEREST EXPENSE 671 $75.9M
35. NET INCOME 661A $20.4M
Statement pages - all other filed accounts (26 items)

delinquency (21%), credit cards (21%)

Fairwinds Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $4.9M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $9.1M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $1.4M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $772K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $983K
Loans Granted Year-to-Date 031A $8K
Amount of Loans Granted Year-to-Date 031B $773.4M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $15.8M
Number of current members (not number of accounts) 083 258,151
Number of potential members 084 19,440,562
Net Member Business Loan Balance 400A $995.9M
Non-Member Deposits 457 $728
Interest Rate of Unsecured Credit Card Loans 521 1,800.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,000.00%
Interest Rate of New Vehicle Loans 523 600.00%
Interest Rate of Used Vehicle Loans 524 580.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $3.6M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $542K
Total Amount of All Other Shares 630 $18.4M
Amount of Regular Shares 657 $2.41B
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $29.8M
Amount of Share Drafts 902 $1.16B
IRA/KEOGH Accounts - < 1 Year 906A $95.0M
Share Certificates - < 1 Year 908A $1.10B
Total Amount of Share Certificates 908C $1.11B
Number of Used Vehicle Loans 968 23,174
NCUA form-section FS220A (26 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Fairwinds Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
The average of the current and three preceding quarter-end balances 010C $5.20B
Total Shares - < 1 Year 013A $4.78B
Total Shares - 1-3 Years 013B1 $4.9M
Total Shares - > 3 Years 013B2 $4.9M
Total Shares and Deposits - < 1 Year 018A $4.79B
Total Shares and Deposits - 1-3 Years 018B1 $5.0M
Total Shares and Deposits - > 3 Years 018B2 $4.9M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 469
Amount of Delinquent Indirect Loans 041E $381K
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $442.8M
Amount of New Vehicle Loans 385 $193.1M
Amount of Unsecured Credit Card Loans 396 $104.1M
Amount of All Other Unsecured Loans/Lines of Credit 397 $20.7M
Share Certificates 451 $26K
Number of Accounts for Share Drafts 452 221,141
IRA/KEOGH Accounts 453 $7K
Number of Accounts for Regular Shares 454 421,991
All other shares 455 $7K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 684,036
Number of credit union employees who are Full-Time (26 hours or more) 564A 601
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 9
Number of Outstanding Indirect Loans 617A 16,394
Total Amount of Outstanding Indirect Loans 618A $363.7M
Amount of real estate loans sold but serviced by the credit union 779A $519.5M
Total credit lines 881 $829.4M
NCUA form-section FS220B (31 items)

maturity and repricing buckets (40%), credit cards (17%)

Fairwinds Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $976K
Number - Total Delinquent Credit Card Loans 045A 344
Total Amount of Delinquent Unsecured Credit Card Loans 045B $1.4M
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $433.2M
Total Uninsured Nonmember Shares and Deposits > $250K (G+H+I) 067A2 $742K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $433.9M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $4.37B
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
All other shares - < 1 Year 630A $18.4M
Amount of Regular Shares - < 1 Year 657A $2.41B
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $1.7M
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $180K
Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date 736 $48.9M
Fair value of Held to Maturity Securities 801 $9K
Non-Member Deposits - < 1 Year 880A $11.8M
Non-Member Deposits - 1-3 Years 880B1 $113K
Non-Member Deposits - > 3 Years 880B2 $2K
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $1.16B
IRA/KEOGH Accounts - 1-3 Years 906B1 $1.2M
IRA/KEOGH Accounts - > 3 Years 906B2 $1.1M
Total Amount of IRA/KEOGH Accounts 906C $97.4M
Share Certificates - 1-3 Years 908B1 $3.7M
Share Certificates - > 3 Years 908B2 $3.8M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $5.6M
Number of New Vehicle Loans 958 7,798
Total Shares 966 $683K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $16.9M
Number of Unsecured Credit Card Loans 993 58,073
Number of All Other Unsecured Loans/Lines of Credit 994 18,447
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 53
NCUA form-section FS220C (9 items)

charge-offs and recoveries (27%), participation loans (18%)

Fairwinds Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $548K
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $323K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $84K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $52K
Number of credit union branches (include the main office if member services are conducted at that location) 566 31
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $625.5M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $8.9M
Other Contingent Liabilities 818A $13.3M
NCUA form-section FS220D (33 items)

member services and products offered (69%), CUSO relationships (27%)

Fairwinds Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
First Time Homebuyer Program 879B4 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Point-of-sale-Processing PI0012 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (8 items)

loans and leases (32%), participation loans (18%)

Fairwinds Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $28.0M
Total Outstanding Amount of Participation Loans Sold By Type 691N $19.5M
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 135
Amount of Outstanding Int Only & Payment Option 1st Mtg Loans Granted YTD 704C3 $36.3M
Total Value of Investments in CUSOs 851 $2.3M
Total Aggregate Cash Outlay in CUSOs 853 $2.3M
Assets Pledged to Secure Borrowings 878 $1.52B
Total Credit Lines at Corporate Credit Unions 884 $100.0M
NCUA form-section FS220H (3 items)

student loans (43%), delinquency (27%)

Fairwinds Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $783.5M
Total number of TDR loans outstanding 1000F $136
Total amount of TDR loans outstanding 1001F $17.1M
NCUA form-section FS220I (16 items)

vehicle lending (59%), delinquency (44%)

Fairwinds Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $358K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $2.4M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $26K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $185K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $13K
Number of Reportable Delinquent New Vehicle Loans 035E1 5
Number of Reportable Delinquent Used Vehicle Loans 035E2 36
Amount of Reportable Delinquent New Vehicle Loans 041C1 $103K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $549K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $267K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $1.1M
Amount of New Vehicle Loans YTD Recoveries 551C1 $80K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $208K
Commercial Share Accounts 643 $581.2M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $782K
Number of International Remittances originated Year-to-Date 928 611
NCUA form-section FS220J (6 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Fairwinds Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Securities 789C $89.2M
Other Investments 789D $1.2M
Other Assets - Other Insurance 789E2 $7.9M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $98.3M
Total Derivative Transactions Outstanding - Total Derivatives - Total Notional Amount 1030 $45.0M
Total Derivative Transactions Outstanding - Total Derivatives - Net Fair Value Gain (Loss) 1030C -$67K
NCUA form-section FS220L (54 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Fairwinds Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $124K
Total Amount of Loans & Leases on Loan Schedule 025B1 $3.44B
Outstanding Balance of Member Commercial Loans Secured by Farmland 042A5 $572K
Amount of Agricultural Commercial Loans 042A9 $572K
Total number of commercial loans to members granted or purchased YTD 090A1 $93
Number of Member Unsecured Revolving Lines of Credit granted for Commercial Purposes granted or purchased YTD 090C6 5
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 14
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 33
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $50
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 38
Number of member commercial loans Secured by Multifamily Property granted or purchased YTD 090M 1
Number of member construction and development commercial loans 143A3 26
Number of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143A4 3
Outstanding balance of member construction and development commercial loans 143B3 $73.2M
Outstanding balance of purchased or participation interests in commercial loans secured by construction and development property to nonmembers 143B4 $10.8M
Number of member construction and development commercial loans granted or purchased YTD 143C3 2
Dollar Amount of member construction and development commercial loans granted or purchased YTD 143D3 $6.4M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $222.5M
Total outstanding balance of commercial loans to members 400A1 $985.0M
Total outstanding balance of nonmember commercial loans 400B1 $11.7M
Outstanding balance of Unsecured Member Commercial Loans 400C5 $70K
Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 400C6 $709K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $265.1M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $564.4M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $877K
Outstanding balance of Member Commercial and Industrial loans 400L2 $38.8M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $42.3M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $39.6M
Outstanding balance of all member and non-member commercial loans 400T1 $996.7M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $69.4M
Dollar Amount of Member Commercial Unsecured Revolving Lines of Credit Granted or purchased YTD 475C6 $60K
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $10.3M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $46.6M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $64.0M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $5.3M
Dollar Amount of Member Commercial loans Secured by Multifamily Property granted or purchased YTD 475M $650K
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 623.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 723.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 655.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 605.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 505.00%
Number of Commercial Small Business Administration Loans Outstanding 691B1 43
Outstanding Balance of Commercial Small Business Administration Loans 691C1 $24.0M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $877K
Outstanding Amount of Commercial Construction & Development Loans Purchased 691L9 $10.8M
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $19.5M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $9.9M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $1.45B
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $19.0M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $945.5M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $11.7M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $957.1M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $15.7M
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 6
NCUA form-section FS220M (26 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Fairwinds Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $221.2M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $411.7M
Total Unfunded Commitments for Commercial Loans 814K $58.5M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $20.1M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $2.7M
Total Unfunded Commitments for Non-Commercial Loans 816T $725.0M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $69.3M
Total number of member commercial loans 900A1 $1K
Total number of nonmember commercial loans 900B1 $4
Number of Member Unsecured Commercial Loans 900C5 1
Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes 900C6 78
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 359
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 403
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 1
Total number of real estate secured member commercial loans 900K2 $823
Total number of real estate secured nonmember commercial loans 900K3 $4
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 827
Number of Member Commercial and Industrial loans 900L2 168
Number of member commercial loans Secured by Multifamily Property 900M 34
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 226
Total Number of Member and Nonmember commercial loans 900T1 $1K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 8,206
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 4,437
Number of member commercial loans Secured by Farmland 961A5 1
Number of Agricultural Commercial Loans 961A9 1
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 2,372
NCUA form-section FS220N (11 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Fairwinds Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Equity Securities > 10 Years AS0054 $73.7M
Available-for-sale Debt Securities <=1 Year AS0062 $136.1M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $130.8M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $366.6M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $271.1M
Available-for-sale Debt Securities > 10 Years AS0066 $692K
Held-to-Maturity Debt Securities <=1 Year AS0068 $9K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$96.9M
Total Liabilities LI0069 $4.86B
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $1.0M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $5.34B
NCUA form-section FS220P (50 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Fairwinds Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $461K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $33K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $733
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $1K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0018 $460
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $34K
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit Construction and Development Loans CH0024 $891
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property CH0030 $1K
Loan Loss Information - YTD Recoveries - Commercial Loans/Lines of Credit - Unsecured Revolving Lines of Credit for Commercial Purposes CH0040 $3K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $818.8M
Unsecured Credit Card Loans DL0002 $459K
All Other Unsecured Loans/Lines of Credit DL0022 $290K
All Other Unsecured Loans/Lines of Credit DL0023 $37K
All Other Unsecured Loans/Lines of Credit DL0024 $89K
All Other Unsecured Loans/Lines of Credit DL0027 $125K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $29
New Vehicle Loans DL0030 $77K
Used Vehicle Loans DL0037 $351K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $41K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $255K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $2.8M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $2.2M
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $1.1M
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $539K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $6.7M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $31
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $640K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $793K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $202K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $360K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $233K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $1.6M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $23
Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit Construction and Development Loans DL0080 $5.4M
Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit Construction and Development Loans DL0083 $5.4M
Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit Construction and Development Loans DL0084 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $4.5M
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $136K
Amount of Consumer Loans in Non-Accrual Status DL0145 $5.9M
Amount of Commercial Loans in Non-Accrual Status DL0146 $5.4M
Loan Pipeline Management Derivatives Total Notional Amount DT0011 $45.0M
Loan Pipeline Management Derivatives Net Fair Value Gain (Loss) DT0012 -$67K
Number of Indirect Loans - New and Used Vehicle Loans IN0001 16,393
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $362.8M
Number of Indirect Loans - Commercial Loans IN0005 1
Amount of Indirect Loans - Commercial Loans IN0006 $877K
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $58.5M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $223.9M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Unsecured LQ0016 $501.1M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $725.0M
NCUA form-section FS220Q (47 items)

investment portfolio detail (69%)

Fairwinds Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Corporate Credit Unions LQ0035 $432.4M
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $719.9M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $1.08B
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB LQ0047 $9.6M
Available-for-sale Amortized Cost - US Government Obligations NV0003 $20.0M
Available-for-sale Fair Value - US Government Obligations NV0004 $19.5M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $324.7M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $299.5M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0017 $9K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0018 $9K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $588.8M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $517.7M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $9K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $9K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $913.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $817.2M
Available-for-sale Amortized Cost - Securities Issued by States and Political Subdivisions in the U.S. NV0071 $6.1M
Available-for-sale Fair Value - Securities Issued by States and Political Subdivisions in the U.S. NV0072 $6.0M
Available-for-sale Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0079 $62.5M
Available-for-sale Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0080 $62.6M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $9K
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $1.00B
Total Fair Value Available-for-Sale Debt Securities NV0084 $905.3M
Trading Investments - Equity Securities - Registered Investment Companies NV0107 $73.7M
Trading Investments - Equity Securities - Total Equity Securities NV0109 $73.7M
Total Trading Debt and Equity Securities NV0110 $73.7M
Investment Maturity Distribution - Equity Securities - Total NV0122 $73.7M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $905.3M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $9K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $103.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $18.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $121.5M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $239.7M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $130.8M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $366.6M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $271.1M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $92.4M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $1.10B
Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on all other investments NV0161 -$14K
Total Gain (Loss) on Investments NV0162 -$14K
RBC Total Equity RB0001 $579.8M
RBC Allowance for Credit Losses RB0002 $20.4M
RBC Total Additions RB0005 $20.4M
RBC Total Deductions RB0009 $113.6M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $486.6M
RBC Risk-Based Capital Numerator RB0012 $486.6M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $16.4M
NCUA form-section FS220R (66 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Fairwinds Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank LQ0061 $9.5M
CCULR Election to opt into the Complex Credit Union Leverage Ratio LR0001 1.00%
CCULR Off-Balance sheet exposures LR0002 $725.0M
CCULR Off-Balance sheet exposures ratio LR0003 1,357.00%
CCULR Goodwill and Other Intangible Assets LR0006 $71.6M
CCULR Goodwill and Other Intangible Assets Ratio LR0007 134.00%
CECL Transition Provision (as determined under 702.703(c)) NW0004 $341K
RBC Schedule Total Investments RB0039 $1.10B
RBC Schedule Total Consumer Loans RB0060 $770.7M
RBC Schedule Total Commercial Loans RB0068 $996.7M
RBC Adjustments to Loans Held for Sale RB0075 -$23.1M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $20.4M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $20.4M
RBC Schedule Total Loans RB0079 $3.44B
RBC Adjustments to Total Loans RB0080 -$23.1M
RBC Total for Risk Weighting Total Loans RB0081 -$20.4M
RBC Total Loans 0% Weight RB0082 -$20.4M
RBC Schedule Total Other Assets RB0088 $282.6M
RBC Total for Risk Weighting Other Assets RB0090 $113.6M
RBC Other Assets 0% Weight RB0091 $113.6M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $5.34B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $93.2M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $93.2M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $5.34B
RBC Allowance for Credit Losses (Loans) RB0177 $20.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 3,986.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 878,523,210.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 125,561,536.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 3,596.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 425,528,804.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 8,131,798.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $88
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $85.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $35
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $12.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 501.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 45,372,709.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 14,556,622.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $1.45B
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $148.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 1,703.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 90,498,909.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 14,335,880.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 22.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 461,605.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 1,290.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 62,772,649.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Fixed Rate RL0026 878.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 1,422.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 68,809,907.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 17,380,501.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $222.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $31.7M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $13K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $1.67B
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $180.0M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $171.7M
Total Shares SH0013 $4.79B
Total Shares and Deposits SH0018 $4.80B
Total Non-Member Deposits SH0880 $11.9M
Number of Loans Sold, Year-to-date SL0022 142
Amount of Loans Sold, Year-to-date SL0023 $48.9M
Number of First Mortgage loans sold on the secondary market, Year-to-date SL0024 142
Number of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0028 142
Amount of Real Estate Loans Sold with Servicing Retained, Year-to-date SL0029 $48.9M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 2,880
NCUA form-section FS220S (14 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Fairwinds Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Auto Lending PP0038 $1
Mortgage Lending PP0039 $1
Secured personal loans PP0040 $1
Unsecured personal loans PP0041 $1
Lead generation for new members PP0042 $1
Lead generation for share accounts PP0043 $1
Person-to-Person payments PP0045 $1
Investment security exchange services PP0046 $1
Communication PP0047 $1
FinTech-Other PP0048 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Fairwinds Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Fairwinds Credit Union call report?

The Fairwinds Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Fairwinds Credit Union file?

Fairwinds Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Fairwinds Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Fairwinds Credit Union is 68417.

How often does Fairwinds Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Fairwinds Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.