Sep, 30, 2025 — RADIANT CREDIT UNION is a federally insured state chartered credit union headquartered in GAINESVILLE, FL with 11 branch locations and about $895.12 million in total assets. Opened 69 years ago in 1957, RADIANT CREDIT UNION has about 49,621 members and employs 186 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RADIANT CREDIT UNION |
|---|---|
| Address: (Main Office) | 4440 NW 25th Pl GAINESVILLE, FL 32606-6563 |
| Phone: | (352) 381-5200 |
| Fax: | |
| Website: | https://www.radiantcu.org |
| Branches: | 11 branch locations |
| Members: | 49,621 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68723 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $895,123,083 |
| CEO/Manager: | Tom Barnard |
| Chairperson: | Chad King |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 56,158,591 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 249,017,220 |
| Unsecured Loans | 65,639,909 |
| Other Loans | 366,413,239 |
| TOTAL LOANS | 681,124,021 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -6,846,331 |
| Land And Building | 21,397,560 |
| Other Fixed Assets | 1,937,849 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 6,835,267 |
| All Other Assets | 581,762 |
| TOTAL ASSETS | 895,123,083 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 3,281 |
| Notes & Interest Payable | 40,000,000 |
| Accounts Payable & Other Liabilities | 8,442,650 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 164,839,961 |
| Regular shares | 188,745,896 |
| All Other Shares & Deposits | 414,706,704 |
| TOTAL SHARES & DEPOSITS | 768,292,562 |
| TOTAL LIABILITIES | 816,738,493 |
| Regular Reserve | 0 |
| Other Reserves | -2,664,012 |
| Undivided Earnings | 81,048,602 |
| TOTAL EQUITY | 78,384,590 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 895,123,083 |
| INCOME & EXPENSE | |
| Loan Income | 29,928,305 |
| Investment Income | 4,765,555 |
| Other Income | 3,844,761 |
| Total Employee Compensation & Benefits | 13,769,440 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 11,868,357 |
| Non-operating Income & (Expense) | -161,970 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 3,366,069 |
| Cost of Funds | 10,677,053 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,631,655 |
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