Addition Financial Credit Union (NCUA charter #68702) is based in Lake Mary, Florida. Its Q2 2026 call report shows $3.8B in total assets and $3.4B in member shares and deposits and 36 offices across 2 states.
Addition Financial Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 27% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 85th. Funding & liquidity contributes the most (98/100, 62% loans-to-deposits, 5% uninsured); earnings contributes the least (48/100, 0.70%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 9 points (70 → 61), mostly because the loan quality component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 70 |
| Q4 2024 | 65 |
| Q1 2025 | 75 |
| Q2 2025 | 70 |
| Q3 2025 | 68 |
| Q4 2025 | 59 |
| Q1 2026 | 61 |
| Q2 2026 | 61 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.97% |
| Q3 2024 | 10.90% |
| Q4 2024 | 10.47% |
| Q1 2025 | 10.48% |
| Q2 2025 | 10.22% |
| Q3 2025 | 9.89% |
| Q4 2025 | 9.70% |
| Q1 2026 | 9.80% |
| Q2 2026 | 9.98% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.74% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.10% |
| Q2 2026 | 1.40% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.10% |
| Q4 2024 | 0.63% |
| Q1 2025 | 1.55% |
| Q2 2025 | 0.93% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.70% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $3.8B | 9.98% | 1.40% | 0.70% | 62.3% |
| Q1 2026 | 61 | $3.8B | 9.80% | 1.10% | 0.47% | 63.1% |
| Q4 2025 | 59 | $3.8B | 9.70% | 1.16% | 0.39% | 64.4% |
| Q3 2025 | 68 | $3.0B | 9.89% | 0.74% | 0.79% | 61.9% |
| Q2 2025 | 70 | $2.9B | 10.22% | 0.71% | 0.93% | 63.9% |
| Q1 2025 | 75 | $2.8B | 10.48% | 0.71% | 1.55% | 65.9% |
| Q4 2024 | 65 | $2.7B | 10.47% | 0.82% | 0.63% | 76.4% |
| Q3 2024 | 70 | $2.7B | 10.90% | 0.80% | 1.10% | 78.4% |
| Q2 2024 | 66 | $2.9B | 9.97% | 0.77% | 1.00% | 79.5% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Grow Financial Federal Credit UnionCredit union Tampa, FL | 68 out of 100, Moderate | $3.9B | 11.2% | 0.60% | vs |
| Campus USA Credit UnionCredit union Gainesville, FL | 76 out of 100, Strong | $4.0B | 12.3% | 0.38% | vs |
| Achieva Credit UnionCredit union Dunedin, FL | 68 out of 100, Moderate | $3.2B | 9.9% | 0.35% | vs |
| Community First Credit Union of FloCredit union Jacksonville, FL | 73 out of 100, Strong | $3.2B | 12.3% | 0.63% | vs |
| Gte Federal Credit UnionCredit union Tampa, FL | 58 out of 100, Moderate | $3.1B | 11.1% | 1.08% | vs |
| Eglin Federal Credit UnionCredit union Fort Walton Bea, FL | 85 out of 100, Very strong | $3.1B | 13.1% | 0.35% | vs |
Deposit insurance
Is my money safe at Addition Financial Credit Union?
Yes. Addition Financial Credit Union is a federally insured credit union (NCUA charter #68702). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.3% of shares and deposits ($181.1M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.98%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
36 locations
Branches
Addition Financial Credit Union lists 36 offices in 22 cities across 2 states. Most locations:
- Orlando, FL (8)
- Tallahassee, FL (4)
- Kissimmee, FL (3)
- Sanford, FL (2)
- Thomasville, GA (2)
- Apopka, FL (1)
- Bainbridge, GA (1)
- Chattahoochee, FL (1)
- Chuluota, FL (1)
- Clermont, FL (1)
- Eustis, FL (1)
- Fern Park, FL (1)
Identity & history
Profile
- Legal name
- Addition Financial Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68702
- RSSD ID
- 78773
- Primary regulator
- State + NCUA
- Established
- 1937
- Headquarters
- 1000 Primera Blvd., Lake Mary, FL 32746
- Employees
- 750
Quick answers
Addition Financial Credit Union: common questions
Is Addition Financial Credit Union NCUA insured?
Yes. Addition Financial Credit Union is a federally insured credit union (NCUA charter #68702). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Addition Financial Credit Union's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Addition Financial Credit Union have?
36 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Lake Mary
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community Credit UnionCredit union New Rockford, ND | 95 out of 100, Very strong | $171.6M | 17.7% | 0.22% | vs |
| Surety BankBank Deland, FL | 90 out of 100, Very strong | $213.7M | 13.2% | 0.22% | vs |
| Local 606 Electrical Workers Federal Credit UnionCredit union Orlando, FL | 89 out of 100, Very strong | $5.5M | 24.2% | 0.00% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| First Colony Bank of FloridaBank Maitland, FL | 79 out of 100, Strong | $291.1M | 9.9% | 0.17% | vs |
| Cypress Bank & TrustBank Melbourne, FL | 79 out of 100, Strong | $256.8M | 11.8% | 0.00% | vs |