State credit union · Gainesville, Florida · NCUA charter #68723
RADIANT
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $1.06B
- Total assets
- 61,290
- Members
- 9.6%
- Net-worth ratio
RADIANT scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.06B; members 61,290; net-worth ratio 9.59%; health rank #128 of 4,374; healthier than 97th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#128 of 4,374 health · 2025Q4RADIANT · health 98/100 · $1.06B · 2025Q4
Call Report peers
RADIANT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RADIANT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RADIANT sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
RADIANT: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.54% vs peer 0.87% (-0.34 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.00 pp (80.90% vs 83.90%).
RADIANT: in-state Call Report ranks
- Health composite ranks #7 of 109 among scored Florida credit unions.
- Florida assets place: #26 of 109.
- Membership ranks #27 of 109 among Florida CUs with a reported count (61,290 members).
- One place up in Florida, Grow Financial (#6) ties at 98/100; one place down, ADVENTHEALTH (#8) ties at 98/100.
Quarter path for RADIANT
RADIANT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $1.06B (2025Q4) to $1.10B (2026Q1).
- Net-worth ratio shifted -0.30 pp (9.89% → 9.59%).
This credit union's 9.59% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
RADIANT gives up 2 points in total. Net Worth Ratio costs the most, 1 of its 30; Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 14.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.59% | -1.59 pp |
| Delinquency Rate | 0.54% | -0.34 pp |
| Return on Assets | 0.47% | -0.04 pp |
| Member Growth | 25.61% | - |
| Loan-to-Share Ratio | 80.90% | -3.00 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.10B | - |
| 2025Q4 | $1.06B | 61,290 |
| 2024Q4 | $855.3M | 48,795 |
| 2023Q4 | $803.5M | 47,269 |
Credit Union Details
- Charter Number
- 68723
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Gainesville
- Data Quarter
- 2025Q4
Branch Locations (15)
Per its most recent NCUA branch filing, RADIANT runs 15 offices in 12 different cities.
| Office | City |
|---|---|
| Radiant Operations Center (ROC) (Main Office) | Gainesville, FL |
| Alachua | Alachua, FL |
| Chiefland | Chiefland, FL |
| Crescent City | Crescent City, FL |
| Gainesville Main Office | Gainesville, FL |
| Archer Road | Gainesville, FL |
| 43rd Street | Gainesville, FL |
| Hawthorne | Hawthorne, FL |
| Lake City | Lake City, FL |
| Live Oak | Live Oak, FL |
| Newberry | Newberry, FL |
| Ocala | Ocala, FL |
| Old Town | Old Town, FL |
| Palatka | Palatka, FL |
| St. Augustine | St Augustine, 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
Using this data
- RADIANT ranks #128 of 4,374 nationally on financial health and #7 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MCCOY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MCCOY
Frequently Asked Questions
Is RADIANT financially healthy?
On its 2025Q4 NCUA 5300 filing, RADIANT scores 98/100 (Excellent), with a 9.59% net worth ratio and 0.54% of loans delinquent. It ranks #128 of 4,374 nationally on health and #7 of 109 in Florida.
How does RADIANT compare to other credit unions?
RADIANT scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.54% vs 0.87%). Its widest shortfall is loan-to-share ratio (80.90% vs 83.90%).
How can I join RADIANT?
Membership eligibility for RADIANT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact RADIANT directly for current membership requirements and application steps.
Is my money safe at RADIANT?
RADIANT 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. RADIANT's net worth ratio of 9.59% 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.