State credit union · Birmingham, Alabama · NCUA charter #68583
AVADIAN
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $1.41B
- Total assets
- 83,856
- Members
- 10.0%
- Net-worth ratio
AVADIAN scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.41B; members 83,856; net-worth ratio 10.02%; health rank #2,462 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,462 of 4,374 health · 2025Q4AVADIAN · health 82/100 · $1.41B · 2025Q4
- DELQ 82/100
- ROA 10.0%
- ASSETS 0.58%
- MEM 0.33%
- RANK $1.41B
- PHOTO 83,856
- BOOK #2,462/4,374
- CHARTER NOBLE
- NCUSIF 68583
Call Report peers
AVADIAN in the assets neighbourhood
AVADIAN's $1.41B assets sit next to NOBLE ($1.41B) 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.
AVADIAN 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
82 43rd percentile higher than 43% 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
AVADIAN - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68583: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
AVADIAN: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 89.94% vs peer 83.90% (+6.04 pp).
- Largest lag: Net Worth Ratio at 10.02% vs peer 11.18% (-1.16 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alabama standing for AVADIAN
- Health composite ranks #52 of 89 among scored Alabama credit unions.
- Assets rank #9 of 89 inside Alabama ($1.41B reported).
- Alabama membership ordinal: #11 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
AVADIAN: 2025Q4 → 2026Q1
AVADIAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $1.41B (2025Q4) to $1.43B (2026Q1).
- Net-worth ratio shifted +0.14 pp (9.88% → 10.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.02% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 12.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for AVADIAN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.02% | -1.16 pp |
| Delinquency Rate | 0.58% | -0.30 pp |
| Return on Assets | 0.33% | -0.18 pp |
| Member Growth | -13.60% | - |
| Loan-to-Share Ratio | 89.94% | +6.04 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 - AVADIAN
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.43B | - |
| 2025Q4 | $1.41B | 83,856 |
| 2024Q4 | $1.38B | 97,051 |
| 2023Q4 | $1.35B | 94,717 |
Credit Union Details
- Charter Number
- 68583
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Locations (19)
The NCUA branch filing lists 19 physical offices for AVADIAN, spread across 13 cities.
| Office | City |
|---|---|
| Corporate (Main Office) | Hoover, AL |
| Homewood | Birmingham, AL |
| Colonnade | Birmingham, AL |
| Midtown | Birmingham, AL |
| Trussville | Birmingham, AL |
| Greystone | Birmingham, AL |
| Chelsea | Chelsea, AL |
| Dothan | Dothan, AL |
| SAMC | Dothan, AL |
| Gardendale | Gardendale, AL |
| Geneva | Geneva, AL |
| Helena | Helena, AL |
| Hoover | Hoover, AL |
| Hueytown | Hueytown, AL |
| South Parkway | Huntsville, AL |
| Madison | Madison, AL |
| Mobile | Mobile, AL |
| Pelham | Pelham, AL |
| Vernon Main Branch | Vernon, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
AVADIAN nationwide neighbourhoods
Cross-state asset and health neighbours for AVADIAN - kept outside Alabama; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.41B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- AVADIAN ranks #2,462 of 4,374 nationally on financial health and #52 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LISTERHILL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LISTERHILL
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama 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 AVADIAN financially healthy?
AVADIAN scores 82/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,462 of 4,374; by total assets it ranks #353 of 4,374 nationally (same basis as /rankings/largest); and #9 of 89 within Alabama. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.02% net worth ratio and a 0.58% delinquency rate.
How does AVADIAN compare to other credit unions?
AVADIAN scores 82/100 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 AVADIAN?
Membership eligibility for AVADIAN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact AVADIAN directly for current membership requirements and application steps.
Is my money safe at AVADIAN?
Federal credit unions like AVADIAN 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. AVADIAN's net worth ratio of 10.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AVADIAN offer compared to banks?
Credit unions like AVADIAN 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 AVADIAN 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.