Charter 68723 · Gainesville, FL
Radiant Credit Union
Radiant Credit Union is a state-chartered credit union in Gainesville, Florida, with $1.12 billion in assets and 60,489 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.50%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as First Coast Community Credit Union, First Coast Community Credit Union Powered by Radiant.
- Total assets
- $1.12 billion
- +25.2% in a year
- Members
- 60,489
- +22.3% in a year
- Net worth ratio
- 9.50%
- Peer median 10.79%
- Loans 60+ days late
- 0.47%
- Peer median 0.67%
- Loans outstanding
- $730 million
- +7.8% in a year
- Shares and deposits
- $969 million
- +25.4% in a year
- Branches
- 14
- 221 employees
- Opened
- 1957
- Florida charter
How Radiant Credit Union compares
NCUA groups credit unions by size; Radiant Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.50% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.47%, is lower than the group median of 0.67%. Loans grew 7.8% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 26 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.12 billion | 60,489 | $730 million | 9.50% | 0.47% |
| Q1 2026 | $1.10 billion | 61,527 | $737 million | 9.59% | 0.45% |
| Q4 2025 | $1.06 billion | 61,290 | $735 million | 9.89% | 0.54% |
| Q3 2025 | $895 million | 49,621 | $681 million | 9.09% | 0.63% |
| Q2 2025 | $895 million | 49,462 | $677 million | 8.89% | 0.51% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.6 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 15 sites for Radiant Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Gainesville Main Office
405 Se 2Nd Pl, Gainesville, FL 32601 - Alachua
14520 Nw Us Highway 441, Alachua, FL 32615 - Chiefland
1003 Nw 22Nd Ct, Chiefland, FL 32626 - Archer Road
6305 Sw Archer Rd, Gainesville, FL 32608 - 43rd Street
2516 Nw 43Rd St, Gainesville, FL 32606 - Hawthorne
6005 Se Us Highway 301 Ste 101, Hawthorne, FL 32640 - Live Oak
2231 Ohio Ave N, Live Oak, FL 32064 - Radiant Operations Center (ROC) (main office)
4440 Nw 25Th Pl, Gainesville, FL 32606 - Lake City
1659 W Us Highway 90, Lake City, FL 32055 - Old Town
25873 Se Highway 19, Old Town, FL 32680 - Ocala
3510 Ne 14Th St, Ocala, FL 34470 - Newberry
24100 W Newberry Rd Ste 50, Newberry, FL 32669 - Crescent City
112 N Summit St, Crescent City, FL 32112 - Palatka
306 S Palm Ave, Palatka, FL 32177 - St. Augustine
1700 Us Highway 1 S, St Augustine, FL 32084
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology