Avadian Credit Union Hoover, Alabama
Avadian Credit Union is a state-chartered credit union headquartered in Hoover, AL, established in 1934 (NCUA charter 68583), and it is regulated and insured by the NCUA. At Q2 2026 it reported 83,496 members and total assets of $1.43B (up 3.1% from Q2 2025), the 9th largest of 87 credit unions headquartered in Alabama. Its net worth ratio was 10.31% at Q2 2026, in the well capitalized band.
Also written as Avadian CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68583
- Headquarters
- Hoover, AL
- Established
- 1934
- Total assets, Q2 2026
- $1.43B
- Assets vs Q2 2025
- +3.1%
- Members, Q2 2026
- 83,496
- Net worth ratio, Q2 2026
- 10.31%
- Latest call report
- Q2 2026, NCUA 5300 · Avadian Credit Union call report
- Asset rank in state
- 9th of 87 in Alabama
- Routing number
- 262087528
- Branches
- 19
It has 2,739 fewer members than on June 30, 2025 (-3.2%). Its net worth ratio was up 0.80 percentage points from 9.51% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $577.9M of $1.14B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.31% net worth ratio is below that band's 10.89% median.
Credit unions merged into Avadian Credit Union
Ebsco Federal Credit Union (2018)
Frequently asked about Avadian Credit Union
How big is Avadian Credit Union?
At Q2 2026 it reported total assets of $1.43B and 83,496 members.
Where is Avadian Credit Union headquartered?
It is headquartered in Hoover, AL, United States.
When was Avadian Credit Union founded?
It was established in 1934, per NCUA records.
Is Avadian Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68583): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Avadian Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Avadian Credit Union well capitalized?
Its net worth ratio was 10.31% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Avadian Credit Union's delinquency ratio?
Its delinquency ratio was 0.46% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Avadian Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.95% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Hoover, AL 35244
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 68583
- RSSD ID
- 630993
- Members
- 83,496
- Potential members
- 4,153,919
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.31% | 10.89% | 37th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.07% | 0.89% | 63rd above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.43% | 8.07% | 71st above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.58% | 3.45% | 60th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 73.93% | 70.59% | 37th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.80% | 1.68% | 41st below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.46% | 0.68% | 75th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.38% | 5.12% | 69th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 88.95% | 88.03% | 53rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.43B total assets against $1.38B; $1.29B total shares and deposits against $1.26B; $1.14B total loans against $1.11B.
$147.1M net worth against $131.5M.
10.31% net worth ratio against 9.51%.
88.95% loan-to-share ratio against 88.24%.
0.46% delinquency ratio against 0.34%.
1.07% return on assets against 0.79%; 10.43% return on equity against 8.34%.
3.58% net interest margin against 3.50%.
83,496 members against 86,235.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.31% | 1.07% | 0.46% | 88.95% |
| March 31, 2026 | 10.02% | 1.04% | 0.39% | 88.26% |
| December 31, 2025 | 9.88% | 1.00% | 0.58% | 89.94% |
| September 30, 2025 | 9.87% | 1.28% | 0.38% | 91.06% |
| June 30, 2025 | 9.51% | 0.79% | 0.34% | 88.24% |
| March 31, 2025 | 9.17% | 0.70% | 0.29% | 85.70% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.