Radiant Credit Union
Major Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.5 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (24%), comm loans (14%), home mtgs (7%), securities (0%), other (55%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
4440 NW 25th Place
Gainesville, FL 32606
Gainesville, FL 32606
Phone Number
(352) 381-5200
NCUA Charter Number
Website
Largest Competitors
Tampa, FL
Jacksonville, FL
Lakeland, FL
Gainesville, FL
Gainesville, FL