ADDITION FINANCIAL

Charter #68702 | FL

1B-3B (304 CUs) Mid-Market (380 CUs)
18 1B-3B in FL

ADDITION FINANCIAL has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 17.4% in tier
  • + ROA 0.09% above tier average
  • + Total Deposits: Top 0.0% in tier
  • + Total Assets: Top 0.3% in tier
  • + Total Members: Top 2.0% in tier
  • + Asset Growth Rate: Top 7.9% in tier
  • + Deposit Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 13.0% in tier
  • - Shrinking Wallet Share: Bottom 16.8% in tier
  • - Margin Compression: Bottom 20.7% in tier
  • - Loan Growth Rate: Bottom 2.0% in tier
  • - Net Charge-Off Rate: Bottom 4.6% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.2% in tier
  • - Loan-to-Share Ratio: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 193,663
+4.4% YoY+1.0% QoQ
 +95.0K 98,678
-1.9% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Top 2.3% in tier
Assets $3.0B
+11.6% YoY+1.6% QoQ
 +$1.3B $1.7B
+0.5% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Top 0.7% in tier
Loans $1.7B
-11.2% YoY-0.8% QoQ
 +$421.0M $1.2B
+0.5% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 22.0% in tier
Deposits $2.7B
+12.4% YoY+2.3% QoQ
 +$1.2B $1.5B
+1.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 0.3% in tier
ROA 0.8%
-23.8% YoY-15.2% QoQ
 +0.1% 0.7%
+13.4% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 62nd in tier
NIM 2.9%
-9.4% YoY-1.1% QoQ
 -0.3% 3.3%
+9.3% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 Bottom 24.7% in tier
Efficiency Ratio 68.6%
+1.1% YoY+2.0% QoQ
 -5.4% 74.0%
-10.9% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 28th in tier
Delinquency Rate 0.7%
-7.6% YoY+3.7% QoQ
 -0.1 0.8%
+6.1% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 54th in tier
Loan To Share 61.9%
-21.0% YoY-3.0% QoQ
 -23.3% 85.2%
-0.8% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Bottom 8.6% in tier
AMR $22,331
-2.3% YoY+0.1% QoQ
 $-7K $29,172
+2.8% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Bottom 16.8% in tier
CD Concentration 22.6%
-10.8% YoY+3.6% QoQ
 -6.4% 29.0%
+0.8% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 Bottom 21.9% in tier
Indirect Auto % 22.6%
-16.9% YoY+0.7% QoQ
 +3.8% 18.8%
-2.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 63rd in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#127 of 246 • Top 17.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.43%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.80%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 22.55%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#81 of 202 • Bottom 13.0% in tier

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

Why This Signature
Asset Growth (YoY): 11.57%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 22.55%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.43%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#52 of 83 • Bottom 16.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.27%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank worsening

Margin Compression

decline
#18 of 24 • Bottom 20.7% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.80%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.25% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $2.98B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 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 304 peers in tier

Top Strengths (7 metrics)

1
Total Deposits
balance_sheet
Value: $2.67B
Peer Avg: $1.45B
#1 of 304 Top 0.0% in 1B-3B tier
2
Total Assets
balance_sheet
Value: $2.98B
Peer Avg: $1.72B
#2 of 304 Top 0.3% in 1B-3B tier
7
Total Members
engagement
Value: 193,663
Peer Avg: 98,678
#7 of 304 Top 2.0% in 1B-3B tier
25
Asset Growth Rate
growth
Value: 11.57%
Peer Avg: 4.83%
#25 of 304 Top 7.9% in 1B-3B tier
28
Deposit Growth Rate
growth
Value: 12.42%
Peer Avg: 5.58%
#28 of 304 Top 8.9% in 1B-3B tier
67
Total Loans
balance_sheet
Value: $1.65B
Peer Avg: $1.23B
#67 of 304 Top 21.7% in 1B-3B tier
72
Share Certificate Concentration (%)
balance_sheet
Value: 22.59%
Peer Avg: 28.53%
#72 of 304 Top 23.4% in 1B-3B tier

Top Weaknesses (7 metrics)

299
Loan Growth Rate
growth
Value: -11.16%
Peer Avg: 5.27%
#299 of 304 Bottom 2.0% in 1B-3B tier
291
Net Charge-Off Rate
risk
Value: 1.42%
Peer Avg: 0.60%
#291 of 304 Bottom 4.6% in 1B-3B tier
280
Loan-to-Member Ratio (LMR)
engagement
Value: $8,541
Peer Avg: $13,213
#280 of 304 Bottom 8.2% in 1B-3B tier
278
Loan-to-Share Ratio
balance_sheet
Value: 61.94%
Peer Avg: 85.19%
#278 of 304 Bottom 8.9% in 1B-3B tier
265
AMR Growth Rate
growth
Value: -2.27%
Peer Avg: 3.29%
#265 of 304 Bottom 13.2% in 1B-3B tier
253
Average Member Relationship (AMR)
engagement
Value: $22,331
Peer Avg: $29,172
#253 of 304 Bottom 17.1% in 1B-3B tier
229
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Avg: 3.26%
#229 of 304 Bottom 25.0% in 1B-3B tier