RADIFI

Charter #340 | FL

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in FL

RADIFI has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.0% in tier
  • + Relationship Depth Leader: Top 3.5% in tier
  • + Net Interest Margin 0.11% above tier average
  • + AMR Growth Rate: Top 1.8% in tier
  • + Loan Growth Rate: Top 3.0% in tier
  • + Asset Growth Rate: Top 4.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 5.2% in tier
  • - Liquidity Strain: Bottom 5.6% in tier
  • - Membership Headwinds: Bottom 13.1% in tier
  • - Stagnation Risk: Bottom 18.0% in tier
  • - Efficiency Drag: Bottom 24.6% in tier
  • - ROA 0.37% below tier average
  • - Efficiency ratio 4.07% above tier (higher cost structure)
  • - Member decline: -3.2% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 41,974
-3.2% YoY-1.2% QoQ
 +2.2K 39,752
-2.7% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 60th in tier
Assets $704.9M
+17.6% YoY+8.1% QoQ
 +$82.5M $622.4M
+0.3% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Top 20.1% in tier
Loans $530.6M
+22.9% YoY+8.8% QoQ
 +$94.7M $435.9M
-0.4% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 21.3% in tier
Deposits $550.4M
+7.2% YoY+2.6% QoQ
 +$12.4M $538.0M
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 56th in tier
ROA 0.3%
-46.9% YoY-2.1% QoQ
 -0.4% 0.7%
+33.9% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 25th in tier
NIM 3.5%
+0.8% YoY-2.5% QoQ
 +0.1% 3.4%
+8.6% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 60th in tier
Efficiency Ratio 82.2%
+6.4% YoY+0.5% QoQ
 +4.1% 78.1%
-3.4% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 70th in tier
Delinquency Rate 0.5%
-18.4% YoY+23.5% QoQ
 -0.3 0.8%
-4.9% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 36th in tier
Loan To Share 96.4%
+14.6% YoY+6.1% QoQ
 +15.4% 81.0%
-1.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Top 13.6% in tier
AMR $25,756
+18.2% YoY+6.8% QoQ
 $-726 $26,482
+2.6% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 55th in tier
CD Concentration 27.7%
+5.4% YoY+10.5% QoQ
 +3.3% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 62nd in tier
Indirect Auto % 19.7%
-18.6% YoY-8.1% QoQ
 +5.7% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 70th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#29 of 1006 • Top 1.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 18.15%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#97 of 1006 • Top 3.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 18.15%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (5)

Indirect Auto Dependency

risk
#84 of 525 • Bottom 5.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 17.64%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 19.66%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -3.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Strain

risk
#44 of 258 • Bottom 5.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 96.40%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 22.89%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Membership Headwinds

decline
#216 of 550 • Bottom 13.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#298 of 550 • Bottom 18.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.29%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.8K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 27.73%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk
#435 of 521 • Bottom 24.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.17%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.25% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -3.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (6 metrics)

4
AMR Growth Rate
growth
Value: 18.15%
Peer Avg: 3.12%
#4 of 169 Top 1.8% in 500M-750M tier
6
Loan Growth Rate
growth
Value: 22.89%
Peer Avg: 4.04%
#6 of 169 Top 3.0% in 500M-750M tier
9
Asset Growth Rate
growth
Value: 17.64%
Peer Avg: 4.33%
#9 of 169 Top 4.7% in 500M-750M tier
23
Loan-to-Share Ratio
balance_sheet
Value: 96.40%
Peer Avg: 81.02%
#23 of 169 Top 13.0% in 500M-750M tier
34
Total Assets
balance_sheet
Value: $704.91M
Peer Avg: $622.38M
#34 of 169 Top 19.5% in 500M-750M tier
36
Total Loans
balance_sheet
Value: $530.65M
Peer Avg: $435.95M
#36 of 169 Top 20.7% in 500M-750M tier

Top Weaknesses (2 metrics)

152
Member Growth Rate
growth
Value: -3.19%
Peer Avg: 1.75%
#152 of 169 Bottom 10.7% in 500M-750M tier
137
First Mortgage Concentration (%)
balance_sheet
Value: 46.42%
Peer Avg: 33.53%
#137 of 169 Bottom 19.5% in 500M-750M tier