Sep, 30, 2025 — FAIRWINDS CREDIT UNION is a federally insured state chartered credit union headquartered in ORLANDO, FL with 32 branch locations and about $5.10 billion in total assets. Opened 77 years ago in 1949, FAIRWINDS CREDIT UNION has about 243,453 members and employs 604 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FAIRWINDS CREDIT UNION |
|---|---|
| Address: (Main Office) | 135 W Central Blvd ORLANDO, FL 32801 |
| Phone: | (407) 277-6030 |
| Fax: | (407) 658-6149 |
| Website: | https://www.fairwinds.org |
| Branches: | 32 branch locations |
| Members: | 243,453 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68417 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Sep 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $5,099,497,498 |
| CEO/Manager: | Larry F Tobin |
| Chairperson: | Elizabeth Krahmer |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 317,901,861 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 13,465,466 |
| Real Estate Loans | 2,559,943,345 |
| Unsecured Loans | 122,887,558 |
| Other Loans | 647,782,848 |
| TOTAL LOANS | 3,330,613,751 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -20,699,673 |
| Land And Building | 87,848,483 |
| Other Fixed Assets | 21,971,593 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 39,306,913 |
| All Other Assets | 190,669 |
| TOTAL ASSETS | 5,099,497,498 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 448 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 63,230,546 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,111,974,273 |
| Regular shares | 2,098,530,769 |
| All Other Shares & Deposits | 1,379,034,357 |
| TOTAL SHARES & DEPOSITS | 4,589,539,398 |
| TOTAL LIABILITIES | 4,652,770,392 |
| Regular Reserve | 0 |
| Other Reserves | -101,916,253 |
| Undivided Earnings | 548,643,359 |
| TOTAL EQUITY | 446,727,106 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 5,099,497,498 |
| INCOME & EXPENSE | |
| Loan Income | 124,859,408 |
| Investment Income | 31,414,249 |
| Other Income | 14,242,411 |
| Total Employee Compensation & Benefits | 57,581,385 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 46,301,008 |
| Non-operating Income & (Expense) | 1,806,524 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 4,231,947 |
| Cost of Funds | 62,214,944 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 44,357,949 |
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