Credit Union Safety Analysis
Is Fairwinds Credit Union Safe? Orlando, Florida
Based on its Q2 2026 NCUA 5300 call report, Fairwinds Credit Union has a net worth ratio of 11.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.46%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Fairwinds Credit Union's net worth ratio is 11.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.17%
- Delinquency ratio (60+ days) (Q2 2026): 0.46%
- Return on assets (Q2 2026): 0.60%
- Loan-to-share ratio (Q2 2026): 71.59%
Fairwinds Credit Union (NCUA charter 68417, established 1949) reported $5.34B in assets and 258,151 members for Q2 2026 from Orlando, Florida. It ranks 5 of 106 credit unions in Florida by total assets. Total assets grew 5.6% from $5.06B on June 30, 2025. It has 18,414 more members than on June 30, 2025 (+7.7%). Its net worth ratio was up 0.46 percentage points from 10.71% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.67B of $3.44B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.14% for Q1 2026; 10.71% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.28% for Q1 2026; 0.29% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.94% for Q1 2026; 0.74% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 71.67% for Q1 2026; 71.16% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.67B
- Commercial loans: $996.7M
- Used vehicle loans: $442.8M
- New vehicle loans: $193.1M
- Unsecured credit card loans: $104.1M
- Other unsecured loans and lines of credit: $20.7M
- Other secured non-real estate loans and lines of credit: $9.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.34B | 11.17% | 0.46% | 0.60% | 71.59% |
| March 31, 2026 | $5.29B | 11.14% | 0.28% | 0.94% | 71.67% |
| December 31, 2025 | $5.05B | 11.08% | 0.29% | 0.85% | 74.92% |
| September 30, 2025 | $5.10B | 11.03% | 0.24% | 1.89% | 72.57% |
| June 30, 2025 | $5.06B | 10.71% | 0.29% | 0.74% | 71.16% |
| March 31, 2025 | $4.99B | 10.71% | 0.23% | 0.87% | 69.87% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Fairwinds Credit Union profile
Regulator records: NCUA credit union profile (charter 68417) · FFIEC NIC profile (RSSD 414371)
Frequently asked questions
Is Fairwinds Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Fairwinds Credit Union's net worth ratio is 11.17%, above the 7% NCUA threshold for well capitalized.
Is Fairwinds Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Fairwinds Credit Union is a federally insured credit union (NCUA charter 68417): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Fairwinds Credit Union's key safety ratios?
For Q2 2026, Fairwinds Credit Union reports net worth 11.17%, delinquency 0.46%, ROA 0.60%, loan-to-share 71.59%.
What happens to my money if Fairwinds Credit Union fails?
For Q2 2026, Fairwinds Credit Union held $4.80B in shares and deposits for 258,151 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.