Radiant Credit Union (NCUA charter #68723) is based in Gainesville, Florida. Its Q2 2026 call report shows $1.1B in total assets and $969.4M in member shares and deposits and 15 offices.
Based on its Q2 2026 filing, Radiant Credit Union scores 65/100, which we describe as moderate. That is higher than only 41% of 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 74th. Its strongest component is problem-loan coverage (93/100; 3.6%), and its lowest is earnings (43/100; 0.59%).
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 4 points (61 → 65), mostly because the funding & liquidity component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 60 |
| Q4 2024 | 60 |
| Q1 2025 | 60 |
| Q2 2025 | 61 |
| Q3 2025 | 61 |
| Q4 2025 | 66 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.05% |
| Q3 2024 | 9.02% |
| Q4 2024 | 9.02% |
| Q1 2025 | 8.85% |
| Q2 2025 | 8.89% |
| Q3 2025 | 9.09% |
| Q4 2025 | 9.89% |
| Q1 2026 | 9.59% |
| Q2 2026 | 9.50% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.47% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.58% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $1.1B | 9.50% | 0.47% | 0.59% | 75.3% |
| Q1 2026 | 65 | $1.1B | 9.59% | 0.45% | 0.53% | 78.0% |
| Q4 2025 | 66 | $1.1B | 9.89% | 0.54% | 0.69% | 80.9% |
| Q3 2025 | 61 | $895.1M | 9.09% | 0.63% | 0.69% | 88.7% |
| Q2 2025 | 61 | $895.5M | 8.89% | 0.51% | 0.63% | 87.6% |
| Q1 2025 | 60 | $884.5M | 8.85% | 0.56% | 0.54% | 87.3% |
| Q4 2024 | 60 | $855.3M | 9.02% | 0.59% | 0.58% | 88.5% |
| Q3 2024 | 60 | $842.5M | 9.02% | 0.61% | 0.61% | 89.0% |
| Q2 2024 | 63 | $834.2M | 9.05% | 0.57% | 0.81% | 88.4% |
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 |
|---|---|---|---|---|---|
| Brightstar Credit UnionCredit union Fort Lauderdale, FL | 62 out of 100, Moderate | $1.1B | 9.2% | 0.52% | vs |
| Power Financial Credit UnionCredit union Pembroke Pines, FL | 55 out of 100, Moderate | $1.0B | 14.0% | 3.35% | vs |
| McCoy Federal Credit UnionCredit union Orlando, FL | 65 out of 100, Moderate | $1.0B | 10.4% | 0.59% | vs |
| First Commerce Credit UnionCredit union Tallahassee, FL | 65 out of 100, Moderate | $1.2B | 10.1% | 0.50% | vs |
| Tropical Financial Credit UnionCredit union Miramar, FL | 58 out of 100, Moderate | $1.0B | 9.5% | 0.88% | vs |
| Gulf Winds Credit UnionCredit union Pensacola, FL | 69 out of 100, Moderate | $1.4B | 9.9% | 0.44% | vs |
Deposit insurance
Is my money safe at Radiant Credit Union?
Yes. Radiant Credit Union is a federally insured credit union (NCUA charter #68723). 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 7.5% of shares and deposits ($73.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.50%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
15 locations
Branches
Radiant Credit Union lists 15 offices in 12 cities. Most locations:
- Gainesville, FL (4)
- Alachua, FL (1)
- Chiefland, FL (1)
- Crescent City, FL (1)
- Hawthorne, FL (1)
- Lake City, FL (1)
- Live Oak, FL (1)
- Newberry, FL (1)
- Ocala, FL (1)
- Old Town, FL (1)
- Palatka, FL (1)
- St Augustine, FL (1)
HMDA 2025
Mortgage lending
In 2025, Radiant Credit Union reported 520 home-loan applications under HMDA (LEI 254900YB9XQDO5W4KU33): 244 originated ($38,430,000 total), 213 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Radiant Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68723
- RSSD ID
- 689889
- Primary regulator
- State + NCUA
- Established
- 1957
- Headquarters
- 4440 NW 25th Pl, Gainesville, FL 32606
- Employees
- 221
Quick answers
Radiant Credit Union: common questions
Is Radiant Credit Union NCUA insured?
Yes. Radiant Credit Union is a federally insured credit union (NCUA charter #68723). 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 Radiant Credit Union's TellerScore?
65 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 Radiant Credit Union have?
15 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Gainesville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Campus USA Credit UnionCredit union Gainesville, FL | 76 out of 100, Strong | $4.0B | 12.3% | 0.38% | vs |
| Florida Credit UnionCredit union Gainesville, FL | 75 out of 100, Strong | $2.8B | 12.7% | 0.80% | vs |
| DLP BankBank Starke, FL | 74 out of 100, Strong | $301.4M | 15.3% | 1.45% | vs |
| Gala BankBank Ocala, FL | 73 out of 100, Strong | $44.9M | 22.1% | 0.00% | vs |
| Midflorida Credit UnionCredit union Lakeland, FL | 72 out of 100, Strong | $9.8B | 10.7% | 0.46% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |