RADIANT
Charter #68723 · Gainesville, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.59% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.45% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 80.12% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 6th percentile but its structural peers at the 44th — a 38-point gap showing why the peer definition matters.
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 | RADIANT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.10B | 6th pct | 44th pct |
| Members | 61,527 | 11th pct | 38th pct |
| Net worth ratio | 9.59% | 23th pct | 25th pct |
| Return on average assets | 0.53% | 32th pct | 30th pct |
| Net interest margin | 3.75% | 77th pct | 64th pct |
| Cost of funds | 1.53% | 38th pct | 48th pct |
| Loan-to-share | 77.98% | 28th pct | 39th pct |
| Delinquency 60+ days | 0.45% | 32th pct | 23th pct |
| Net charge-off ratio | 0.70% | 66th pct | 64th pct |
| Loan growth YoY | 8.20% | 93th pct | 67th pct |
| Share growth YoY | 23.02% | 98th pct | 89th pct |
| Efficiency ratio | 80.12% | 78th pct | 79th pct |
structural peer set hash: cdb77b2da4019377996874aae298ee94… (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.