Addition Financial

Lake Mary, FL · 2 · Charter #68702 · www.additionfi.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.8B
75th percentile
Members
257,389
82th percentile
Total loans
$2.2B
67th percentile
Total shares
$3.1B
75th percentile

Profitability

Return on assets
1.01%
51th percentile
Net interest margin
2.59%
17th percentile
Efficiency ratio
55.20%
34th percentile
Non-interest income ratio
23.95%
82th percentile

Capital & Risk

Net worth ratio
9.72%
24th percentile
Delinquency rate
1.16%
20th percentile
Net charge-off rate
1.20%
8th percentile
Loan-to-share
69.59%
13th percentile

Growth

Member growth YoY
36.98%
99th percentile
Asset growth YoY
39.18%
98th percentile
Loan growth YoY
17.94%
95th percentile
Share growth YoY
31.79%
98th percentile

Operations

Members / branch
7,150
44th percentile
Assets / member
$14,767
19th percentile
Field of membership penetration
2.48%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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