Federal credit union · Jacksonville, Florida · NCUA charter #340
RADIFI
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $711.6M
- Total assets
- 42,135
- Members
- 9.5%
- Net-worth ratio
RADIFI scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $711.6M; members 42,135; net-worth ratio 9.52%; health rank #2,335 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,335 of 4,374 health · 2025Q4RADIFI · health 83/100 · $711.6M · 2025Q4
Call Report peers
RADIFI in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
RADIFI vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RADIFI sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
RADIFI: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 95.84% here, 83.90% peer average (+11.94 pp).
- Largest lag: Net Worth Ratio at 9.52% vs peer 11.18% (-1.66 pp).
RADIFI: in-state Call Report ranks
- Florida health ordinal: #74 of 109.
- By total assets, RADIFI is #31 of 109 in Florida.
- Membership ranks #33 of 109 among Florida CUs with a reported count (42,135 members).
- One place up in Florida, TYNDALL (#73) ties at 83/100; one place down, Santa Rosa County (#75) scores 82/100, 1 point lower.
Quarter path for RADIFI
RADIFI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $711.6M (2025Q4) to $706.5M (2026Q1).
- Net-worth ratio shifted +0.19 pp (9.33% → 9.52%).
At 9.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
RADIFI gives up 17 points in total. Member Growth costs the most, 8.8 of its 15; Net Worth Ratio loses the least, 1.2.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 22.0 pts
- Return on Assets 13.5 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 12.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.52% | -1.66 pp |
| Delinquency Rate | 0.80% | -0.07 pp |
| Return on Assets | 0.40% | -0.11 pp |
| Member Growth | -1.58% | - |
| Loan-to-Share Ratio | 95.84% | +11.94 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - RADIFI
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $706.5M | - |
| 2025Q4 | $711.6M | 42,135 |
| 2024Q4 | $605.3M | 42,812 |
| 2023Q4 | $581.3M | 43,512 |
Credit Union Details
- Charter Number
- 340
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Florida
- City
- Jacksonville
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, RADIFI runs 8 offices in 3 different cities.
| Office | City |
|---|---|
| Main Branch - Park Street (Main Office) | Jacksonville, FL |
| Atlantic Beach Branch | Atlantic Beach, FL |
| Westside Branch | Jacksonville, FL |
| Northside Branch | Jacksonville, FL |
| Mandarin Branch | Jacksonville, FL |
| Baymeadows Branch | Jacksonville, FL |
| Glen Kernan Parkway | Jacksonville, FL |
| Orange Park Branch | Orange Park, 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
- RADIFI ranks #2,335 of 4,374 nationally on financial health and #74 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- We Florida Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with We Florida Financial
Frequently Asked Questions
Is RADIFI financially healthy?
RADIFI has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,335 of 4,374 nationally on health and #74 of 109 in Florida. Its net worth ratio is 9.52% and its delinquency rate 0.80%.
How does RADIFI compare to other credit unions?
RADIFI scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.84% vs 83.90%). Its widest shortfall is net worth ratio (9.52% vs 11.18%).
How can I join RADIFI?
RADIFI 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 RADIFI directly for the exact boundaries and application steps.
Is my money safe at RADIFI?
RADIFI is a federal 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. RADIFI's net worth ratio of 9.52% 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.