Radiant
Gainesville, FL · Charter 68723 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
$1.1BAssets
$729.8MLoans
$969.4MShares
$106.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of credit unions $1B-$10B in assets (rank 121 of 435).
- Widest gap: equity / assets trails 80% of credit unions $1B-$10B in assets (rank 350 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.59%
Rank 315 of 435
Net Interest Margin
3.64%
Rank 142 of 435
Efficiency Ratio
78.23%
Rank 335 of 435
Equity / Assets
9.50%
Rank 350 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.55% | 0.81% | 1.14% | Beats 28% | 315 / 435 | | |
| Return on Equity | 6.18% | 5.12% | 7.41% | 9.70% | Beats 36% | 279 / 435 | | |
| Net Interest Margin | 3.64% | 3.01% | 3.39% | 3.75% | Beats 67% | 142 / 435 | | |
| Efficiency Ratio | 78.23% | 65.25% | 71.39% | 77.86% | Beats 23% | 335 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.45% | 0.69% | 1.05% | Beats 72% | 121 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.50% | 9.81% | 10.84% | 12.63% | Beats 20% | 350 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.50% | 9.81% | 10.84% | 12.63% | Beats 20% | 350 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.29% | 78.33% | 88.38% | 95.61% | 20th pctl | 347 / 435 | | |
| Loans / Assets | 65.08% | 67.69% | 74.58% | 80.80% | 20th pctl | 350 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |