Federal credit union · Newport News, Virginia · NCUA charter #7448
1st Advantage
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.06B
- Total assets
- 71,078
- Members
- 16.3%
- Net-worth ratio
1st Advantage scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.06B; members 71,078; net-worth ratio 16.31%; health rank #587 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#587 of 4,374 health · 2025Q41st Advantage · health 93/100 · $1.06B · 2025Q4
- NW 93/100
- DELQ 16.3%
- ROA 0.67%
- ASSETS 1.78%
- MEM $1.06B
- RANK 71,078
- PHOTO #587/4,374
- BOOK Valley First
- CHARTER 7448
Call Report peers
1st Advantage in the assets neighbourhood
1st Advantage's $1.06B assets sit next to Valley First ($1.06B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Advantage vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1st Advantage - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7448 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where 1st Advantage diverges from peer averages
- Net Worth Ratio leads the peer set - 16.31% here, 11.18% peer average (+5.13 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
1st Advantage in Virginia
- In Virginia, health place is #7 of 95 on the same NCUA-ratio sort used nationally.
- Virginia assets place: #15 of 95.
- Membership ranks #13 of 95 among Virginia CUs with a reported count (71,078 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
1st Advantage: 2025Q4 → 2026Q1
1st Advantage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $1.06B (2025Q4) to $1.08B (2026Q1).
- Net-worth ratio shifted +0.17 pp (16.14% → 16.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.31% | +5.13 pp |
| Delinquency Rate | 0.67% | -0.20 pp |
| Return on Assets | 1.78% | +1.27 pp |
| Member Growth | 0.30% | - |
| Loan-to-Share Ratio | 88.44% | +4.54 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
1st Advantage filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.08B | - |
| 2025Q4 | $1.06B | 71,078 |
| 2024Q4 | $1.01B | 70,864 |
| 2023Q4 | $981.5M | 70,136 |
Credit Union Details
- Charter Number
- 7448
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Virginia
- City
- Newport News
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, 1st Advantage runs 12 offices in 7 different cities.
| Office | City |
|---|---|
| 1A Plaza, Kiln Creek Branch (Main Office) | Yorktown, VA |
| Gloucester Branch | Gloucester, VA |
| Mercury Branch | Hampton, VA |
| Town Center Branch | Hampton, VA |
| Denbigh Branch | Newport News, VA |
| Hidenwood Branch | Newport News, VA |
| McGuire Branch | Richmond, VA |
| Virginia Beach Kemps River Branch | Virginia Beach, VA |
| Commons Way Branch | Williamsburg, VA |
| Sentara Branch | Williamsburg, VA |
| New Town Branch | Williamsburg, VA |
| Grafton Branch | Yorktown, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
1st Advantage's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.06B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- 1st Advantage ranks #587 of 4,374 nationally on financial health and #7 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- JUSTICE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with JUSTICE
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1st Advantage financially healthy?
1st Advantage scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #587 of 4,374; by total assets it ranks #449 of 4,374 nationally (same basis as /rankings/largest); and #15 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.31% net worth ratio and a 0.67% delinquency rate.
How does 1st Advantage compare to other credit unions?
PlainCU's health composite puts 1st Advantage at 93/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 1st Advantage?
1st Advantage operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 1st Advantage directly for the exact boundaries and application steps.
Is my money safe at 1st Advantage?
Federal credit unions like 1st Advantage are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Advantage's net worth ratio of 16.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 1st Advantage offer compared to banks?
Credit unions like 1st Advantage are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1st Advantage directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.