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.
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NCUA 5300 Call Report Masthead
#996 of 4,374 health · 2025Q4Addition Financial · health 91/100 · $3.80B · 2025Q4
Call Report peers
Addition Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Addition Financial sits in 90-94 with 747 others.
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: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 64.38% vs peer 83.90% (-19.52 pp).
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.
- One place up in Florida, Gulf Winds (#39) ties at 91/100; one place down, Jm Associates (#41) scores 90/100, 1 point lower.
Quarter path for Addition Financial
Addition Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $3.80B (2025Q4) to $3.81B (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.70% → 9.80%).
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
Addition Financial gives up 9 points in total. Delinquency Rate costs the most, 6.2 of its 25; Member Growth scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Addition Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Addition Financial scores 91/100 (Excellent), with a 9.80% net worth ratio and 1.16% of loans delinquent. It ranks #996 of 4,374 nationally on health and #40 of 109 in Florida.
How does Addition Financial compare to other credit unions?
Addition Financial scores 91/100, higher than 77% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (64.38% vs 83.90%).
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?
Addition Financial is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.