Addition Financial
Lake Mary, FL · Charter 68702 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
$3.8BAssets
$2.1BLoans
$3.4BShares
$381.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 60% of credit unions $1B-$10B in assets (rank 173 of 435).
- Widest gap: nonperforming loans / loans trails 87% of credit unions $1B-$10B in assets (rank 380 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.70%
Rank 273 of 435
Net Interest Margin
3.53%
Rank 173 of 435
Efficiency Ratio
77.48%
Rank 322 of 435
Equity / Assets
10.01%
Rank 302 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 37% | 273 / 435 | | |
| Return on Equity | 6.96% | 5.12% | 7.41% | 9.70% | Beats 45% | 240 / 435 | | |
| Net Interest Margin | 3.53% | 3.01% | 3.39% | 3.75% | Beats 60% | 173 / 435 | | |
| Efficiency Ratio | 77.48% | 65.25% | 71.39% | 77.86% | Beats 26% | 322 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.40% | 0.45% | 0.69% | 1.05% | Beats 13% | 380 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.01% | 9.81% | 10.84% | 12.63% | Beats 31% | 302 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.01% | 9.81% | 10.84% | 12.63% | Beats 31% | 302 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.27% | 78.33% | 88.38% | 95.61% | 8th pctl | 399 / 435 | | |
| Loans / Assets | 55.91% | 67.69% | 74.58% | 80.80% | 11th pctl | 389 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |