# ADVENTHEALTH
Altamonte Sprin, FL · NCUA charter 67349 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/adventhealth-67349

Who the members are: state charter, organized 1991, low-income designated. 13,672 members of 418,109 potential (3.3% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 624.

**Verdict on the desk:** this could be *participation buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $126.8M |
| Members | 13,672 (6.2% YoY) |
| Full-time staff | 32 |
| Net worth | $11.9M |
| Net worth ratio | 9.4% (p19 of band) |
| ROA (annualized) | 0.79% (p55 of band) |
| Total delinquency | 0.49% (p41 of band) |
| Net charge-offs (annualized) | 0.10% (p22 of band) |
| Loans / shares | 89% (p88 of band) |
| Cash / assets | 8.2% |
| Borrowings / assets | 1.18% |
| Net interest margin | 3.46% (p37 of band) |
| Operating expense / assets | 3.68% (p51 of band) |
| Vehicles % of loans | 46% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 13% |
| Third-party paper % of net worth | 101% (p70 of band) |
| Vehicle delinquency | 0.03% (p7 of band) |
| Vehicle NCO | 0.15% (p25 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 25% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 35% |
| Average share balance | $4,606 |
| Participations bought / yr | $4.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $10.1M |
| Loans outstanding per 100 members | 624% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $1,167 |
| Loans granted, annualized | $49.0M |

## Participation posture (from the same filings)

Bought $4.9M and sold $0 in the latest annualized quarter; $10.1M outstanding purchased (84.4% of net worth), $478,255 sold and retained. Sold in 4 and bought in 3 of the last 8 quarters. Shares 6.4% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | net worth falling, delinquency rising |  |
| 2017-09 | 1 | auto monoline | net worth falling, delinquency rising |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 | members leaving | delinquency rising |
| 2018-06 | 2 | net worth falling | members leaving |
| 2018-09 | 3 | leaning on borrowings |  |
| 2018-12 | 2 | members leaving | net worth falling, leaning on borrowings |
| 2019-03 | 1 |  | members leaving |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling, leaning on borrowings | auto monoline |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | leaning on borrowings |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | thin capital |  |
| 2022-03 | 3 | 3rd-party paper>100% NW | margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 1 |  | thin capital |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | 3rd-party paper>100% NW, net worth falling |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | 3rd-party paper>100% NW | delinquency rising |

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

- 2025-12-04 [Dr. Phillips Center launches free Frontyard Holiday Festival supported by AdventHealth - adventhealth.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNWnhQckJsRW84LUlkMFBFbGpYWDlnZ2hpVTg0REJjdkdRM2dxUHdmeC05LUFHakVMb3FGUTZYZnljbmk0VUtld3JhTnZPU01TcWp3eWxWTE5WQ1VLUV9BWVZlQmZTeFQwNTFkTXU1U0s1YXpmVzVYR3BoWS1zdm1oQU9aWU5uaC1KRFNpMkRIR1dZU0hKVms0bDZPeVZsOXIzMUsyQW1pXzUtY0t1Z0JCLUhEWnRobDA?oc=5) · adventhealth.com
- 2026-05-20 [First United Methodist Church explores redevelopment of nearly 100,000-square-foot property - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQTTUzbjVoWDlyZUFqdDFreVFLVzNLNGVDQkZwRlh3NDVhcDlBeDVlVVR6WDlBWklVU1BidnoxNWNVZmNIaHM5N0RHVUItVzNlSFlUWW41NUNIUHhBWnM3WTlaYkMtWENMR0h6UzJzM0luLWxtRDM4Zk9ibWJKUHVSbHplZmFCUTJpTkFhX3BQdlpObmlMdWhFQVVXQ0ZyNmxWRkJNLTdGUEFrbG8?oc=5) · The Business Journals
- 2026-02-25 [Miami rideshare company brings electric vehicles to Lake Nona - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPcFRtZXNnbEtkMzBKd0pELUFSUHhIWllmVnhwN1BBSkl0SzhGT3laRlVYVTVvTlA3dHJRMExGSFZXRXVucHpaX0ZzSGtsdmpjX1ZjelZSdDk5aTBLTGJGMkVHdkJGNG1rMUNCN2RkckZzaDlEQVRDOGVqYzhGQk03RVJJeDNTVHFvU0c3OGhSY1NDbDRlcTBJQWIzakRvSFNKR2JR?oc=5) · The Business Journals
- 2025-06-30 [Abel Biri named chief executive officer of AdventHealth Orlando - adventhealth.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxORnBJNThPOGRORGVrOHdfRVVTbUFvMnZsLXFVU21yY3dOcDRYdDVwRkR0bHFfUThWSHh3bWVtR2daTGJ6eklHUk1VZ0N5blRCRExsaGJBTExhSC02NVVJYVhKRmhvTDhWRXRZYzVwcV9STHFscS1PVHE2cmU0Y3NEb2VNbk5MNWQyME9DWHkwdy1SYzhEYlh5bk5R?oc=5) · adventhealth.com
- 2025-07-16 [Lightning announce 2025-26 regular season schedule, presented by AdventHealth - nhl.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxOX00zdnJPX09ETzh4ZklZQXV0T3IyUVlyUEw0TjF1S0ZMbGR5ZzNvY0R3WUFxQVlXOGkxbmVacGNqUHBTb3dXMTRkUzhvV2hIU2FrSFdNZVdIMGNHd0V1LXlaTDdadmN0aXkzZnVWOHktOXpLd0JvekthZzdScFRZM3RfUmtMazdjMy1WTmVTSHQ4enhlZVlLamtZUWVDWXozWWFJaVBiaTdtYmprbTcxTFdvOTdsODh6ME9HZG9B?oc=5) · nhl.com
- 2025-06-26 [AdventHealth donates $1 million to Reilly Arts Center, unveiling new community mainstage - 352today](https://news.google.com/rss/articles/CBMivAFBVV95cUxPT3k5Tno4UFA0REdqcjBkNnUyYzBPY3ZHWjNURnBicTFBRnU1aFNjVktQLUtkRE02aC1YSGgyZWNzSlJwZ1F1WXl6bGtDM2FGdmNaQnQ0a3NQRUlRN01MRFF2NHFsSzE1U1hOUmlvdHkzSkRzNjBXNlRkM1NLRFV1eElOTVhYakNuLUxqRU9KeVMyWFFNU25sekY0eXlQcTRad0ExZlhNT1RaWW1zZU5PNjBpV3oxbDBncGZfOQ?oc=5) · 352today
- 2026-01-13 [U.S. Hunger Hosting 3rd Annual MLK Day of Service Million Meal Pack - newswire.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQVzd4bEdnUGNxY1hlcE51Z2JUQXJXVzNUTVRVdm85UmxEcjFmRWtWVGRGTGpLY0QzX09ocTZDZ01fbWw3Q205eVgwZlJnRWljMXZSZXVjSklaQ1pUWmxCQ3AycWk4YlJzUnN3YW5wN1YyaFFSQzJGZm9qNEhXcFFDWWxuWTdoQWFMaEs1aXJLclNGSzV4VGdpOXRhUFk?oc=5) · newswire.com
- 2022-06-08 [Clays & Camo fundraiser supports life-changing programs - Mid Florida Newspapers](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNOUgyanVBU3Z2WmJuSGkyZmNTNUg5cjdWMmhKS2l6WmVfaU1WcnFpeEVjMHdiMlZvT05PUlpQMHM1c2JydngwMzh2Wnl1Q05hcWdPZk5tMG95OHF1WUVuV3RLYkJoOHhQM3JYSnpLdzhLQkwtbVlfS0ZaYy1haC1KRklVM2kwWWx3LUctTTRHMXNKalFHVWRkR2sxcDgzT2dfdTZSVzdCSWY0RVVRUjlIczBpUC13aTRwaV93MVBQYVI4QTNMMGVMbll6VlR1RWFYLVd5ZDBWVzFIN0x2N2hzNG03VTAyYXdrUks2Yk1GNG56SGZ3TVZn?oc=5) · Mid Florida Newspapers

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67349 (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/21.json (key "67349", 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=67349
- 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