Adventhealth Credit Union
Total assets
$126.8M
▲ +7.5% YoY
Shares & deposits
$112.1M
▲ +6.4% YoY
Loans
$99.5M
▲ +19.7% YoY
Members
13,672
▲ +6.2% YoY
ROA (annualized)
0.79%
peers 0.69%
ROE (annualized)
8.33%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.5 pts |
| Share growth (YoY) | +6.4% | +3.3% | +3.1 pts |
| Loan growth (YoY) | +19.7% | +2.9% | +16.8 pts |
| ROA | 0.79% | 0.69% | +0.1 pts |
| ROE | 8.3% | 5.9% | +2.4 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
Profile
- Established
- 1991
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 351 S. State Road 434, Suite 1009, Altamonte Sprin, FL, 32714
- NCUA charter #
- 67349
- RSSD ID
- 361493
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.8M | $112.1M | $99.5M | $11.9M | $249K | 0.79% | 3.46% | 0.49% | 13,672 |
| Q4 2025 | $121.9M | $107.5M | $94.5M | $11.7M | $1.3M | 1.08% | 3.31% | 0.57% | 13,383 |
| Q3 2025 | $120.7M | $107.7M | $89.2M | $11.4M | $974K | 1.08% | 3.29% | 0.58% | 12,949 |
| Q2 2025 | $117.0M | $104.2M | $85.3M | $11.0M | $569K | 0.97% | 3.32% | 0.06% | 12,666 |
| Q1 2025 | $118.0M | $105.4M | $83.1M | $10.7M | $280K | 0.95% | 3.27% | 0.70% | 12,869 |
| Q4 2024 | $110.3M | $97.8M | $87.3M | $10.4M | $765K | 0.69% | 3.14% | 0.15% | 12,714 |
| Q3 2024 | $109.0M | $95.5M | $84.2M | $10.1M | $495K | 0.60% | 3.12% | 0.16% | 12,494 |
| Q2 2024 | $104.9M | $90.5M | $82.9M | $10.0M | $289K | 0.55% | 3.19% | 0.14% | 12,494 |
Loan mix (Q1 2026): real estate $45.9M · commercial $2.9M · consumer $50.0M · securities $12.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.69% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.62% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 78.7% | 53th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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