# RADIFI
Jacksonville, FL · NCUA charter 340 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/radifi-340

Who the members are: federal charter, community charter, organized 1935, low-income designated. 42,074 members of 1,605,848 potential (2.6% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $706.5M |
| Members | 42,074 (-1.7% YoY) |
| Full-time staff | 127 |
| Net worth | $67.2M |
| Net worth ratio | 9.5% (p32 of band) |
| ROA (annualized) | 0.49% (p39 of band) |
| Total delinquency | 0.46% (p36 of band) |
| Net charge-offs (annualized) | 0.79% (p79 of band) |
| Loans / shares | 94% (p89 of band) |
| Cash / assets | 3.6% |
| Borrowings / assets | 9.52% |
| Net interest margin | 3.74% (p73 of band) |
| Operating expense / assets | 3.67% (p57 of band) |
| Vehicles % of loans | 24% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 115% (p55 of band) |
| Vehicle delinquency | 0.48% (p41 of band) |
| Vehicle NCO | 2.06% (p85 of band) |
| Repossessed % of vehicle book | 0.07% (p55 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 65% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 28% |
| Average share balance | $5,787 |
| Participations bought / yr | $3.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $65.3M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $28,965 |
| Loans granted, annualized | $172.0M |

## Participation posture (from the same filings)

Bought $3.6M and sold $0 in the latest annualized quarter; $65.3M outstanding purchased (97.2% of net worth), $10.0M sold and retained. Sold in 1 and bought in 8 of the last 8 quarters. Shares 7.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | loans>95% of shares |  |
| 2020-03 | 2 | net worth falling | loans>95% of shares |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 3 | leaning on borrowings |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 5 | members leaving, loans>95% of shares |  |
| 2025-12 | 3 |  | net worth falling, members leaving |
| 2026-03 | 3 | delinquency rising | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-22 [RadiFi Credit Union's new CFO charts growth strategy focused on education over mergers - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVGxrdEFjaW54UXZzZF9rOU5ZcWlaWExSWDd2ZkFIMHhLWWd6NlRmUFY0c3BCaHhqcWZJRXVud3dtMFJOSWV1enI1RFd4a1ZFX1BOTGFWQWwzejBjQTAwZ2hMNkxGS2ZKUTRxLWNGc2lfYXF4VlE2TkdtZDNSeFJ1NTNaOEtOVkV2MW13WU9rTUhCTjRkaXlGVnNoeXRWUjNqY3NDMm9n?oc=5) · The Business Journals
- 2026-07-16 [Jacksonville-area credit unions buoy commercial loan portfolios 10% in Q1 - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQMzYxOXZpMVBHTnVsczBKdkQ3UmZqX0ZjTXBRbmVraWVybkFQeUVQREsyeGg3blJVaW8yR2Jta09nRTVPWVpaNVFQUFlYTlE5cGpfLWhQeHk1OUxnejB3c2hoVXNuM0Q1TDB2ZVdxMXRzT0Z2c3BhRDlPM19aSFVGcW4tUFYyUmpuRVNvX1lUZFp0dHdCNll2X2hzb000dHA4S1ZB?oc=5) · The Business Journals
- 2025-08-01 [RadiFi Credit Union announces executive promotions to strengthen operational excellence and member service - CUInsight](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNYTUwT0FFUU90X19QVDlaZHJsSUxyR0R1TmdKRVRtMmxzb2wtX25BQUNaenhMcEJYQVBHdWM4VXRwZ1p1Vzk0MmUwV201c0VTNjExVWFhQXdWR0NRUHg5dzRTU3JoVEhheElTdXl6Vy1LQzd0dG5mVmV4QzJHX051aUw0QVBUeVRBRks0Sm5zb29aeWF0emJ3eG1xcFB6eC1FNzd0SzA3TE1WZEMyX0tqaTVTdjJCUTVmWDlLVEEtVFpNZEV2bEJJYThPRlM4VzI4TC14QjRKbG9hbzVqX0ptZA?oc=5) · CUInsight
- 2025-10-09 [RadiFi Credit Union Partners with Jacksonville Sheriff’s Office to Host Fraud Prevention Seminars - Jacksonville Free Press](https://news.google.com/rss/articles/CBMiywFBVV95cUxOOHFwblFVd3BLQl9od2FiM1BWZFg1ZGRKQmpJN05RdnowWEdQUndmcFdXNlMwNVZydlNTTklUUndiSU5qeFFMME1NbHk5bnNmQTBzb1BkN1Q4ZGM2QkNYRTN0YXZHYlZzSnBQVzdoTWc3N2N2bGtaSzdQZlZ2MnY4RngyZEZEeE9zdUoza1BrY3dza1J0NWNLNDdvblZVbTFFUVVQSDNrelNmWmIxNlBYLUZuZU5aR3NfdndZTHMwbXBBTkpYSTRaUF9xQQ?oc=5) · Jacksonville Free Press
- 2025-08-21 [RadiFi Credit Union Promotes Joy Bing to Chief Operations Officer - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMitAFBVV95cUxNV29KYzgwdHRlN2lSSkV5cXFwbWNPMm9FUVl1a21xLWc3MkpBZ3VUT0lLYUF6NmdHZGl1bjFGR2l5d201ZnhhczRYZERXX1o5bFk5TnpvY0FKZG0wZ3VVeVItYmFtbi1lVVNSeVROeFVfYUMyVHVZZzM3c190Y2ZaU0dfS25WazRiaVFLckZLNHk3SExzcTBFM2dRLV9TcjAwdkpwNXdma195VnpXd3FQN0d1WE4?oc=5) · Jacksonville Daily Record
- 2023-03-22 [Jacksonville-based Jax Federal Credit Union rebranding as RadiFi Credit Union - The Florida Times-Union](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPU3JDLU5MbnlHTGFYaWRRSDhPdWJtcjlzWmhJYlZsSG1XWDFHMDFFODktcXh0RGozZ2Q5bWNVNHZkV1VfallDcjRkemFCa1BqdDZlMEN5WlM1bU9ZZllfbzlsM2ZCX1BPOWxmU2s4cWpiSnJBSG4wMTZNSERsOXlVWnpTSlh1aEwtUzdYNy1rM2l5cFg3UzFiVlZIek1TcVNCYTRGa3N1MjNPaVRtYVdhaWJxN2RfR2hUeTVEbVZuS18wTE9IZjZGam1iUHJDS2pVYTlNN2ZHWW9hQTQ?oc=5) · The Florida Times-Union
- 2025-06-19 [RadiFi Credit Union Appoints Bridgett Loafman as CAO to Strengthen Growth and Operational Strategy - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNUGtWWTBnYWdqaWxWSUhVaEtWcmpFNDhTRnlmdHMtaGtFYVF4cU1JNEs2QTFsNThqQkN3aTJmcXcyeGo0TG0xckhybjBkdkd4bXBaZzYtbHF4c2xDbWdaOFBIUVpFVFpIRVVHd21pcWxabngtY2V5OHE5THVqNThTSkhsNXRlcVBTOGgydjk2UnJKU216QVlsNlRwOEtzdHhEQmdyaUEycmdTWENpTkR6NGtWOGJreUtRb1dVSmNXWUhsc29nNTQydTVmNURyWkJwWjZqYXlEUF9nNUZnUTN6Rw?oc=5) · Jacksonville Daily Record
- 2023-03-08 [Jax FCU Unveils New Name and Brand - cutoday.info](https://news.google.com/rss/articles/CBMie0FVX3lxTFBEVDU2OUY5YjhRS3pWUjJtZzQ1dnowRDdCU0E4emFaXzJ0Ym05VXFpYXFGdE53UTE0Z24zcDlzTlZtdGVVMTN1ZmxUalluQzJ2Y0pmUjExOGE4b0tzcTI4V1BzamhKRlRpd3AyM3RaLWs3cnlQN1dtdXRPZw?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=340 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/20.json (key "340", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=340
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide