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Credit unions · Alabama · Q2 2026

Avadian CU AI Score

Credit union in Birmingham, AL · NCUA charter #68583 · State charter (federally insured)

Legal name: Avadian

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$1.43B
Total loans & leases$1.14B
Total shares & deposits$1.29B
Members83,500
Net worth$147M
Net worth / assets10.31%
Loans / assets80.15%
Return on assets (annualized)1.06%
Loan growth (YoY)2.84%
Member growth (YoY)−3.18%
Delinquency, all loans (60+ days)0.46%
CharterState charter (federally insured)
Asset band$1B–$5B
NCUA peer groupover $500M
Sponsor typeCommunity (inferred from the name)

AI readiness

AI Score: 4 of 5 stars, AI embedded in workflows

AI makes or shapes decisions inside a business process: AI-driven loan decisioning or underwriting, AI in collections, document processing or onboarding, AI routing in the contact centre.

Avadian uses Talkdesk's AI in its contact centre: an automated voice/chat assistant that lets members resolve routine matters themselves, plus real-time AI assistance and automated reporting for agents during member interactions. Evidence comes from the vendor's own customer pages naming Avadian, not from the credit union.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech P2P payments, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

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