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
Call Report peers
AVADIAN in the assets neighbourhood
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AVADIAN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AVADIAN sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Alabama, Alabama State Employees (#51) ties at 82/100; one place down, The Infirmary (#53) scores 81/100, 1 point lower.
AVADIAN: 2025Q4 → 2026Q1
AVADIAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $1.41B (2025Q4) to $1.43B (2026Q1).
- Net-worth ratio shifted +0.14 pp (9.88% → 10.02%).
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
AVADIAN gives up 18 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is AVADIAN financially healthy?
AVADIAN has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,462 of 4,374 nationally on health and #52 of 89 in Alabama. Its net worth ratio is 10.02% and its delinquency rate 0.58%.
How does AVADIAN compare to other credit unions?
AVADIAN scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.94% vs 83.90%). Its widest shortfall is net worth ratio (10.02% vs 11.18%).
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?
AVADIAN 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. AVADIAN's net worth ratio of 10.02% 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.