State credit union · Lake Mary, Florida · NCUA charter #68702
Addition Financial
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $3.80B
- Total assets
- 257,389
- Members
- 9.8%
- Net-worth ratio
Addition Financial scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.80B; members 257,389; net-worth ratio 9.80%; health rank #996 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#996 of 4,374 health · 2025Q4Addition Financial · health 91/100 · $3.80B · 2025Q4
- NW 91/100
- DELQ 9.8%
- ROA 1.16%
- ASSETS 0.45%
- MEM $3.80B
- RANK 257,389
- PHOTO #996/4,374
- BOOK Arizona Financial
- CHARTER 68702
Call Report peers
Addition Financial in the assets neighbourhood
Addition Financial's $3.80B assets sit next to Arizona Financial ($3.79B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Addition Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Addition Financial - Share Insurance Coverage
Charter #68702's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Addition Financial: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 64.38% vs peer 83.90% (-19.52 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Addition Financial sits in Florida
- In Florida, health place is #40 of 109 on the same NCUA-ratio sort used nationally.
- By total assets, Addition Financial is #7 of 109 in Florida.
- Member book place in Florida: #6 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Addition Financial
Addition Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $3.80B (2025Q4) to $3.81B (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.70% → 9.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 29.5 pts
- Delinquency Rate 18.8 pts
- Return on Assets 14.3 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.4 pts
Addition Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.80% | -1.38 pp |
| Delinquency Rate | 1.16% | +0.28 pp |
| Return on Assets | 0.45% | -0.05 pp |
| Member Growth | 36.98% | - |
| Loan-to-Share Ratio | 64.38% | -19.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Addition Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.81B | - |
| 2025Q4 | $3.80B | 257,389 |
| 2024Q4 | $2.73B | 187,897 |
| 2023Q4 | $2.91B | 176,325 |
Credit Union Details
- Charter Number
- 68702
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Lake Mary
- Data Quarter
- 2025Q4
Branch Locations (36)
Addition Financial operates 36 offices across 22 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lake Mary Branch (Main Office) | Lake Mary, FL |
| Apopka Branch | Apopka, FL |
| Bainbridge Branch | Bainbridge, GA |
| Chattahoochee Branch | Chattahoochee, FL |
| Oviedo Branch | Chuluota, FL |
| Clermont Branch | Clermont, FL |
| Eustis Branch | Eustis, FL |
| Fern Park Branch | Fern Park, FL |
| Altamonte Springs Branch | Forest City, FL |
| Kissimmee Branch | Kissimmee, FL |
| Poinciana Branch | Kissimmee, FL |
| The Loop | Kissimmee, FL |
| Leesburg Branch | Leesburg, FL |
| Longwood Branch | Longwood, FL |
| Marianna Branch | Marianna, FL |
| Merritt Island Branch | Merritt Island, FL |
| Orange City Branch | Orange City, FL |
| East Orlando Branch | Orlando, FL |
| Metro West Branch | Orlando, FL |
| Pine Hills Branch | Orlando, FL |
| South Orlando Branch | Orlando, FL |
| Mills Branch | Orlando, FL |
| UCF Campus Branch | Orlando, FL |
| Lake Nona Branch | Orlando, FL |
| Downtown Campus Branch | Orlando, FL |
| Quincy Branch | Quincy, FL |
| St. Cloud Branch | Saint Cloud, FL |
| Sanford Branch | Sanford, FL |
| Seminole State College Branch | Sanford, FL |
| Appleyard Branch | Tallahassee, FL |
| Downtown Branch | Tallahassee, FL |
| Killearn Branch | Tallahassee, FL |
| Parkway Branch | Tallahassee, FL |
| Hansell Branch | Thomasville, GA |
| Liberty Branch | Thomasville, GA |
| Winter Garden Branch | Winter Garden, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Addition Financial's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.80B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Addition Financial ranks #996 of 4,374 nationally on financial health and #40 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Grow Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Grow Financial
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Addition Financial financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Addition Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #996 of 4,374; by total assets it ranks #132 of 4,374 nationally (same basis as /rankings/largest); and #7 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.80% net worth ratio and 1.16% delinquency rate are the key drivers.
How does Addition Financial compare to other credit unions?
Addition Financial scores 91/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Addition Financial?
Membership eligibility for Addition Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Addition Financial directly for current membership requirements and application steps.
Is my money safe at Addition Financial?
Federal credit unions like Addition Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Addition Financial's net worth ratio of 9.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Addition Financial offer compared to banks?
Credit unions like Addition Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Addition Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.