Federal credit union · WATERTOWN, South Dakota · NCUA charter #8801
AVANTI
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $31.5M
- Total assets
- 2,967
- Members
- 11.1%
- Net-worth ratio
AVANTI scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.5M; members 2,967; net-worth ratio 11.13%; health rank #2,613 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,613 of 4,374 health · 2025Q4AVANTI · health 81/100 · $31.5M · 2025Q4
- ROA 81/100
- ASSETS 11.1%
- MEM 2.97%
- RANK 1.08%
- PHOTO $31.5M
- BOOK 2,967
- CHARTER #2,613/4,374
- NCUSIF RIVERFORK
- CAMELS 8801
Call Report peers
AVANTI in the assets neighbourhood
AVANTI's $31.5M assets sit next to RIVERFORK ($31.6M) 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.
AVANTI 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
81 39th percentile higher than 39% 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
AVANTI - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8801, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
AVANTI: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 70.25% vs peer 59.80% (+10.45 pp).
- Largest lag: Net Worth Ratio at 11.13% vs peer 14.86% (-3.73 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
AVANTI: in-state Call Report ranks
- In South Dakota, health place is #25 of 33 on the same NCUA-ratio sort used nationally.
- Assets rank #22 of 33 inside South Dakota ($31.5M reported).
- Member book place in South Dakota: #21 of 33.
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
AVANTI Call Report trajectory
AVANTI: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $31.5M (2025Q4) to $31.8M (2026Q1).
- Net-worth ratio shifted +0.17 pp (10.96% → 11.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
AVANTI vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.13% | -3.73 pp |
| Delinquency Rate | 2.97% | +1.83 pp |
| Return on Assets | 1.08% | +0.38 pp |
| Member Growth | 6.31% | - |
| Loan-to-Share Ratio | 70.25% | +10.45 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
AVANTI quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.8M | - |
| 2025Q4 | $31.5M | 2,967 |
| 2024Q4 | $33.7M | 2,791 |
| 2023Q4 | $31.3M | 2,752 |
Credit Union Details
- Charter Number
- 8801
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- WATERTOWN
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, AVANTI runs one office.
| Office | City |
|---|---|
| Avanti Federal Credit Union (Main Office) | Watertown, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
More federally-insured credit unions based in South Dakota, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for AVANTI - kept outside South Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- AVANTI ranks #2,613 of 4,374 nationally on financial health and #25 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rushmore Electric is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rushmore Electric
- Rates and health both vary by institution, not just by state -- see how South Dakota credit unions compare overall before assuming this one is typical. South Dakota 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 AVANTI financially healthy?
AVANTI has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,613 of 4,374; by total assets it ranks #2,816 of 4,374 nationally (same basis as /rankings/largest); and #22 of 33 within South Dakota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.13% and delinquency rate of 2.97%.
How does AVANTI compare to other credit unions?
Five weighted metrics from NCUA filings produce AVANTI's 81/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 AVANTI?
AVANTI operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact AVANTI directly for the exact boundaries and application steps.
Is my money safe at AVANTI?
Federal credit unions like AVANTI 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. AVANTI's net worth ratio of 11.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does AVANTI offer compared to banks?
Credit unions like AVANTI 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 AVANTI 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.