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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 68 |
| Q4 2025 | 66 |
| Q1 2026 | 69 |
| Q2 2026 | 69 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.92% |
| Q3 2024 | 9.00% |
| Q4 2024 | 9.13% |
| Q1 2025 | 9.17% |
| Q2 2025 | 9.51% |
| Q3 2025 | 9.87% |
| Q4 2025 | 9.88% |
| Q1 2026 | 10.02% |
| Q2 2026 | 10.31% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.46% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.93% |
| Q4 2025 | 0.93% |
| Q1 2026 | 1.04% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $1.4B | 10.31% | 0.46% | 1.06% | 89.0% |
| Q1 2026 | 69 | $1.4B | 10.02% | 0.39% | 1.04% | 88.3% |
| Q4 2025 | 66 | $1.4B | 9.88% | 0.58% | 0.93% | 89.9% |
| Q3 2025 | 68 | $1.4B | 9.87% | 0.38% | 0.93% | 91.1% |
| Q2 2025 | 66 | $1.4B | 9.51% | 0.34% | 0.75% | 88.2% |
| Q1 2025 | 65 | $1.4B | 9.17% | 0.29% | 0.70% | 85.7% |
| Q4 2024 | 62 | $1.4B | 9.13% | 0.31% | 0.33% | 86.4% |
| Q3 2024 | 62 | $1.4B | 9.00% | 0.26% | 0.33% | 85.2% |
| Q2 2024 | 62 | $1.4B | 8.92% | 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).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Listerhill Credit UnionCredit union Sheffield, AL | 69 out of 100, Moderate | $1.5B | 11.1% | 0.62% | vs |
| Alabama One Credit UnionCredit union Tuscaloosa, AL | 59 out of 100, Moderate | $1.5B | 9.1% | 0.85% | vs |
| Guardian Credit UnionCredit union Prattville, AL | 57 out of 100, Moderate | $1.3B | 9.5% | 1.45% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |
| Family Savings Credit UnionCredit union Rainbow City, AL | 55 out of 100, Moderate | $1.2B | 8.9% | 1.03% | vs |
| Family Security Credit UnionCredit union Decatur, AL | 95 out of 100, Very strong | $1.1B | 19.9% | 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.
18 locations
Branches
Avadian Credit Union lists 18 offices in 13 cities. Most locations:
- Birmingham, AL (5)
- Dothan, AL (2)
- Chelsea, AL (1)
- Gardendale, AL (1)
- Geneva, AL (1)
- Helena, AL (1)
- Hoover, AL (1)
- Hueytown, AL (1)
- Huntsville, AL (1)
- Madison, AL (1)
- Mobile, AL (1)
- Pelham, AL (1)
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Secured Visa | 0.00% | $0 | $25 | 2.0% |
| Signature Visa | 0.00% | $0 | $25 | 2.0% |
| Visa Traditional Rewards | 0.00% | $0 | $25 | 2.0% |
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.