PackageTrendsPeer
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Radiant

Gainesville, FL · Charter 68723

NCUA · 11 branches

Q2 2026

$1.1BAssets
$729.8MLoans
$969.4MShares
$106.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.59%, down 5 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.47% of loans (-3 bps YoY).
  • Capital: net worth / assets of 9.50%, up 61 bps from a year ago.
  • Funding: loans stand at 75.29% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.59%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.64%+8 bps YoY

Efficiency Ratio (quarter, annualized)

78.23%+102 bps YoY

Net Worth / Assets

9.50%+61 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.69%0.69%0.53%0.59%-5 bps
Return on Equity7.14%7.58%6.93%5.47%6.18%-96 bps
Net Interest Margin3.57%3.63%3.12%3.68%3.64%+8 bps
Efficiency Ratio77.21%76.22%75.40%80.12%78.23%+102 bps
Growth
Asset Growth (YoY)7.35%6.24%23.64%23.84%25.23%+1,789 bps
Loan Growth (YoY)7.11%5.57%12.54%10.37%7.76%+66 bps
Share Growth (YoY)7.98%5.98%23.04%23.56%25.43%+1,745 bps
Asset Quality
Delinquent Loans / Loans0.51%0.63%0.54%0.45%0.47%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.89%9.10%9.89%9.59%9.50%+61 bps
Net Worth / Assets8.89%9.10%9.89%9.59%9.50%+61 bps
Liquidity & Funding
Loans / Shares87.63%88.65%80.90%77.98%75.29%-1,234 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps