TellerScore

Avadian Credit Union (NCUA charter #68583) is based in Birmingham, Alabama. Its Q2 2026 call report shows $1.4B in total assets and $1.3B in member shares and deposits and 18 offices.

Based on its Q2 2026 filing, Avadian Credit Union scores 69/100, which we describe as moderate. That is higher than 54% of 454 credit unions with $1 billion – $10 billion. Among 88 credit unions headquartered in Alabama, it ranks 58th. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (53/100; 10.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.31%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity71/100
Loans ÷ shares: 89.0% · 6.4% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.91%

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 rose 3 points (66 → 69), mostly because the earnings component improved by 12 points.

TellerScore
626669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202462
Q1 202565
Q2 202566
Q3 202568
Q4 202566
Q1 202669
Q2 202669
Net worth ratio
7.00%8.65%10.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.92%
Q3 20249.00%
Q4 20249.13%
Q1 20259.17%
Q2 20259.51%
Q3 20259.87%
Q4 20259.88%
Q1 202610.02%
Q2 202610.31%
Delinquent loans (60+ days)
0.24%0.41%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.26%
Q4 20240.31%
Q1 20250.29%
Q2 20250.34%
Q3 20250.38%
Q4 20250.58%
Q1 20260.39%
Q2 20260.46%
Return on assets
0.32%0.69%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.32%
Q3 20240.33%
Q4 20240.33%
Q1 20250.70%
Q2 20250.75%
Q3 20250.93%
Q4 20250.93%
Q1 20261.04%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.4B10.31%0.46%1.06%89.0%
Q1 202669$1.4B10.02%0.39%1.04%88.3%
Q4 202566$1.4B9.88%0.58%0.93%89.9%
Q3 202568$1.4B9.87%0.38%0.93%91.1%
Q2 202566$1.4B9.51%0.34%0.75%88.2%
Q1 202565$1.4B9.17%0.29%0.70%85.7%
Q4 202462$1.4B9.13%0.31%0.33%86.4%
Q3 202462$1.4B9.00%0.26%0.33%85.2%
Q2 202462$1.4B8.92%0.24%0.32%84.2%

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).

Capital ratio10.31%
36th
Problem loans0.46%
74th
Net charge-offs0.33%
73rd
Return on assets1.06%
71st
Loans to deposits89.0%
47th
Uninsured deposits6.4%
78th
Loan-loss reserves0.00%
50th
Texas ratio4.9%
47th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Listerhill Credit UnionCredit union Sheffield, AL69 out of 100, Moderate$1.5B11.1%0.62%vs
Alabama One Credit UnionCredit union Tuscaloosa, AL59 out of 100, Moderate$1.5B9.1%0.85%vs
Guardian Credit UnionCredit union Prattville, AL57 out of 100, Moderate$1.3B9.5%1.45%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
Family Savings Credit UnionCredit union Rainbow City, AL55 out of 100, Moderate$1.2B8.9%1.03%vs
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs

Deposit insurance

Is my money safe at Avadian Credit Union?

Yes. Avadian Credit Union is a federally insured credit union (NCUA charter #68583). 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 6.4% of shares and deposits ($82.1M) 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 10.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

18 locations

Branches

Avadian Credit Union lists 18 offices in 13 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Secured Visa0.00%$0$252.0%
Signature Visa0.00%$0$252.0%
Visa Traditional Rewards0.00%$0$252.0%

All Avadian Credit Union card terms

Identity & history

Profile

Legal name
Avadian Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68583
RSSD ID
630993
Primary regulator
State + NCUA
Established
1934
Headquarters
PO Box 360287, Birmingham, AL 35236
Employees
271

Quick answers

Avadian Credit Union: common questions

Is Avadian Credit Union NCUA insured?

Yes. Avadian Credit Union is a federally insured credit union (NCUA charter #68583). 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 Avadian Credit Union's TellerScore?

69 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 Avadian Credit Union have?

18 offices as of the latest NCUA data.