ADDITION FINANCIAL
Charter #68702 · Lake Mary, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 257,388 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.47% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.10% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.04% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 81.72% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ADDITION FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.81B | 72th pct | 75th pct |
| Members | 257,388 | 80th pct | 89th pct |
| Net worth ratio | 9.80% | 29th pct | 33th pct |
| Return on average assets | 0.47% | 27th pct | 20th pct |
| Net interest margin | 3.39% | 53th pct | 36th pct |
| Cost of funds | 1.23% | 27th pct | 28th pct |
| Loan-to-share | 63.09% | 10th pct | 8th pct |
| Delinquency 60+ days | 1.10% | 82th pct | 77th pct |
| Net charge-off ratio | 1.04% | 86th pct | 84th pct |
| Loan growth YoY | 29.24% | 99th pct | 95th pct |
| Share growth YoY | 26.88% | 99th pct | 91th pct |
| Efficiency ratio | 81.72% | 83th pct | 80th pct |
structural peer set hash: 77a4214d1700c472eb9a718e9d4f04ce… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.