# RADIANT
Gainesville, FL · NCUA charter 68723 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/radiant-68723

Who the members are: state charter, organized 1957, low-income designated. 61,527 members of 3,563,917 potential (1.7% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.10B |
| Members | 61,527 (24.9% YoY) |
| Full-time staff | 222 |
| Net worth | $105.1M |
| Net worth ratio | 9.6% (p24 of band) |
| ROA (annualized) | 0.53% (p33 of band) |
| Total delinquency | 0.45% (p32 of band) |
| Net charge-offs (annualized) | 0.70% (p67 of band) |
| Loans / shares | 78% (p28 of band) |
| Cash / assets | 12.9% |
| Borrowings / assets | 3.65% |
| Net interest margin | 3.68% (p76 of band) |
| Operating expense / assets | 3.95% (p84 of band) |
| Vehicles % of loans | 26% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 20% |
| Third-party paper % of net worth | 165% (p58 of band) |
| Vehicle delinquency | 0.41% (p28 of band) |
| Vehicle NCO | 1.32% (p68 of band) |
| Repossessed % of vehicle book | 0.21% (p84 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 139% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 35% |
| Average share balance | $6,601 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $17.9M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $22,172 |
| Loans granted, annualized | $191.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $17.9M outstanding purchased (17.0% of net worth), $39.1M sold and retained. Sold in 6 and bought in 3 of the last 8 quarters. Shares 23.6% 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 |
|---|---|---|---|
| 2021-03 | 1 | 3rd-party paper>100% NW |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 3 | net worth falling, leaning on borrowings |  |
| 2022-03 | 2 |  | net worth falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | charge-offs p90 |  |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 6 | thin capital, net worth falling, losing money | delinquency rising |
| 2023-06 | 3 |  | leaning on borrowings, charge-offs p90, losing money |
| 2023-09 | 2 |  | net worth falling |
| 2023-12 | 1 |  | thin capital |
| 2024-03 | 3 | thin capital, repo signal |  |
| 2024-06 | 1 |  | thin capital, repo signal |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 3 | thin capital |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 1 |  | thin capital |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-04-24 [Gainesville’s Radiant Credit Union to merge with Palatka-based credit union - Mainstreet Daily News Gainesville](https://news.google.com/rss/articles/CBMifEFVX3lxTE0yR2xaNGpOMUVWVjJDdjl0SEozMDZWU2duOGtwWU5UUUlvcjlKZ0xiXzN5SE1MLVRLRzdFbFY4OXp4UTl3dGNCWHpqMlZ3dmt3WmlnT0ptOVE3Q1pMVHAtQldLeE1uWkhCUF96b1o1Mzl5akR2TUR0VmJYYW4?oc=5) · Mainstreet Daily News Gainesville
- 2026-05-11 [Obituary, Visitation & Funeral Information | Georgia "Pete" Melba Pechilis Vickers - Williams Thomas Funeral Homes](https://news.google.com/rss/articles/CBMiigFBVV95cUxNRExHcWJJMDZjVmRmVk9vM1dQS0t6UzFqWG5ndUVjTE55a2NiT1JEOVpaUnNxeHdkODk2NWw0Y0Ryb3hCMy1aMzNSc0RGLXd2dFNyZVVxVDZTNGhuenJJQ3BwaTE5U1R0Q2V1a0g4MmRZZlpESHRYZGp3dzlUbVhGN2ZKdGlQUjZ2Rmc?oc=5) · Williams Thomas Funeral Homes
- 2020-12-11 [SunState Federal Credit Union to change its name - WCJB](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPMWhwdTBMMjRQSDVKNkN1WnFNNmxTYUVpTzVLSnVHTUxrM3hVODlOMm9GV0YtQTh1ZkduQnM5UUR2eEZKQTE1WERQVXZ4d2p2blJfaUlQdVV6TDRNSkRVSndkVENBMzFua0lXNkdRMDAzRGQ4d3dYRE9Iald0bTF3MjM5Uk5fc3l40gGcAUFVX3lxTFAwZ04tcUd3M283YW9ScENlNW1xdnE5TFhaazZYRjFUNWRUdVNiV3hNeEtJa0NMaEdPUEc4R0M0czRHdlJoaDVSV2NsWkNtUFk0WEtxclNyUEgwQVZubi00VGNoQUJsTUcyVEVhMkdLbmJEdkE2Vk9tSXNsQXNBTzdJdkMtLU52VVM5YS1QeEltaE5iN05HSEdVRXRxQg?oc=5) · WCJB
- 2020-12-12 [SunState Federal Credit Union to become state chartered Radiant Credit Union - Mainstreet Daily News Gainesville](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOSkpHQ0dPLXlLSUNyVWcxU2Ftb2tjaFFReDhfMWRiUlFERk9lcGxNMjF0ODBKci1rSG5YVzJQRFZzajB3b3ZzdFR3SFBEb3pib3BBSDQ0NXB6U1hBSENFM0FFcmY1ZE5iZWlmTXMtcnAwV0l4V0hZNUNJeUNhYXp4X1ppZVVaTHVtN2RiaEJuOXpqYzdDc0hmdU04RFFyR2JpQlBzZU5uT25veFNERzdyQUVpcnUzVEl5LTBTQmRDdjdzQWJNS0xwbk9TaXhuc0ttYnMwQ1A5c0M5UzJTQWRIWW1ITHFOZ2JKWnBSa0lwMXJJWVk?oc=5) · Mainstreet Daily News Gainesville
- 2025-07-03 [‘Securing the Bag’ Summit helps Gainesville families weather the storm - City of Gainesville (.gov)](https://news.google.com/rss/articles/CBMidkFVX3lxTE1aUnNIQzIzZUYxRzk3NU1ueXEtWDB3ZDhoZ3p4QUh2WGIzaVdXaXRUQzM3MWw3X2kybW1JdUJtUTJva2FVR3pLV2htV3p2UHlBXzE2M3YxOGw5eThDVGtCRjhXSnFyOTVNblhlUFNoOFQ1WmpNckE?oc=5) · City of Gainesville (.gov)
- 2025-05-16 [Gainesville fun run aims to help local students get career training - 352today](https://news.google.com/rss/articles/CBMiowFBVV95cUxPV1dVYVRrZkduVTlWaWYtazg0NENVVzJoVlVwNnBoRmNFQlZSUWFyQlVCZmNHeUJ2OGdVY0tTNGh6d0pYdjJJYUFtZXNIMm1qd05abGlEWG1xR1lkNVlVRk5WSkJtMGxfQy1GRF9yRUNUVzBEQW9BOXlzU1dfc3RzNWpSY3hkQXoxQjltNjBVQ25lRnZ5MU5uVXNDR1U4TGYwQWcw?oc=5) · 352today
- 2025-07-10 [Suspects fled after a failed ATM theft in Gainesville - WCJB](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNR0pKN1o0WXYxNi1uVlV2RE5aaUtENHN0dzZQTjZpZjFJX1lsR0lrS2ZFZTZQSm1fQ2JPOFNnUER4VU9ZRjBsblVLeGFjcjQwOEpRV3hYODdmbzNaRnVEVDB3aXVmdWpHTTNfckV6dm9nQm45MmhVRFR3X3EtbzhfWmVhTTk5LWRK0gGcAUFVX3lxTE85Um5aS3RGU001dDhNVFJVZXE5TUdTaGhTRHJFWEd3WDByd0hZXzFtZFpnYmQyNGprdmNIVEhnMTUzeEZhRzZsM0xJQnJrOVBqdExHRXpsYkljbzJTdkRBTm5MNTBjWVNydXY4S3dQQUtNUkEzWnppRVZrQmFxVWU3NmhCOUwyMWdFV210UjZsT1B2ZjBUQjJLNmN3Vw?oc=5) · WCJB
- 2025-04-07 [Police: 2 suspects posed as hotel employees, stole hospitalized man's checkbook, leading to $21k stolen - firstcoastnews.com](https://news.google.com/rss/articles/CBMihgJBVV95cUxNbGs4ZktpTXUtcHhCN1pEeXIzd2pFTkNmTHZiNHRuRkN2SFcwaW8ybXFtR0t0c3hNYXBDb19jb1dMSzlCbl9zRWlFeDVnaTJrT0psN2tNeVJ4TXNnVkdWYnFWYTdxWVRKS2ZLUFJJNXMxY1ZpNXpzMHRKbWFnS3VTd3BLRkFXRmJXZ2xDRDBKMi1iQTlzWnRfeWlpOTFqT3NWb3BYLWRHRWJTX1dXb3ZJaV93RE5LZVFsOE5KR1k2d2RSd3VrdGF2Mk84UFNSRldDRHY3cXdtNTlYUlU5YzJLVXF2emxHRmpkRVN5cm9xcXJyM2l3d3dvWnlLcHFabTdYbHJ3T2ln?oc=5) · firstcoastnews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68723 (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/51.json (key "68723", 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=68723
- 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