Radifi Federal Credit Union Jacksonville, Florida
Radifi Federal Credit Union is a federal credit union headquartered in Jacksonville, FL, established in 1935 (NCUA charter 340), and it is regulated and insured by the NCUA. At Q2 2026 it reported 41,786 members and total assets of $715.2M (up 9.6% from Q2 2025), the 30th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 9.58% at Q2 2026, in the well capitalized band.
Also written as Radifi FCU · Trade name filed with the NCUA: RadiFi Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 340
- Headquarters
- Jacksonville, FL
- Established
- 1935
- Total assets, Q2 2026
- $715.2M
- Assets vs Q2 2025
- +9.6%
- Members, Q2 2026
- 41,786
- Net worth ratio, Q2 2026
- 9.58%
- Latest call report
- Q2 2026, NCUA 5300 · Radifi Federal Credit Union call report
- Asset rank in state
- 30th of 106 in Florida
- Routing number
- 263079234
- Branches
- 8
It has 697 fewer members than on June 30, 2025 (-1.6%). Its net worth ratio was down 0.37 percentage points from 9.95% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $315.3M of $547.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.58% net worth ratio is below that band's 11.43% median.
Credit unions merged into Radifi Federal Credit Union
Ducote Federal Credit Union (2016)
Frequently asked about Radifi Federal Credit Union
How big is Radifi Federal Credit Union?
At Q2 2026 it reported total assets of $715.2M and 41,786 members.
Where is Radifi Federal Credit Union headquartered?
It is headquartered in Jacksonville, FL, United States.
When was Radifi Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Radifi Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 340): 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 Radifi Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Radifi Federal Credit Union well capitalized?
Its net worth ratio was 9.58% 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 Radifi Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.45% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Radifi Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 98.00% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Jacksonville, FL 32204
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 340
- RSSD ID
- 39970
- Members
- 41,786
- Potential members
- 1,605,848
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.58% | 11.43% | 22nd bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.71% | 0.81% | 44th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.45% | 7.02% | 54th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.73% | 3.70% | 52nd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 78.10% | 76.55% | 44th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.53% | 1.24% | 27th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.45% | 0.68% | 70th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.26% | 4.92% | 69th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 98.00% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$715.2M total assets against $652.4M; $558.4M total shares and deposits against $536.7M; $547.3M total loans against $487.7M.
$68.5M net worth against $64.9M.
9.58% net worth ratio against 9.95%.
98.00% loan-to-share ratio against 90.86%.
0.45% delinquency ratio against 0.40%.
0.71% return on assets against 0.47%; 7.45% return on equity against 4.71%.
3.73% net interest margin against 3.71%.
41,786 members against 42,483.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.58% | 0.71% | 0.45% | 98.00% |
| March 31, 2026 | 9.52% | 0.49% | 0.46% | 94.06% |
| December 31, 2025 | 9.33% | 0.56% | 0.80% | 95.84% |
| September 30, 2025 | 9.28% | 0.30% | 0.49% | 96.40% |
| June 30, 2025 | 9.95% | 0.47% | 0.40% | 90.86% |
| March 31, 2025 | 10.14% | 0.11% | 0.23% | 86.97% |
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.