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
Call Report peers
1st Advantage in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); 1st Advantage sits in 90-94 with 747 others.
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
Where 1st Advantage diverges from peer averages
- Net Worth Ratio leads the peer set - 16.31% here, 11.18% peer average (+5.13 pp).
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).
- One place up in Virginia, Beacon Credit Union, Incorporated (#6) scores 94/100, 1 point higher; one place down, Ibew Local Union 80 (#8) ties at 93/100.
1st Advantage: 2025Q4 → 2026Q1
1st Advantage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $1.06B (2025Q4) to $1.08B (2026Q1).
- Net-worth ratio shifted +0.17 pp (16.14% → 16.31%).
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
1st Advantage gives up 7 points in total. Member Growth costs the most, 5.6 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is 1st Advantage financially healthy?
On its 2025Q4 NCUA 5300 filing, 1st Advantage scores 93/100 (Excellent), with a 16.31% net worth ratio and 0.67% of loans delinquent. It ranks #587 of 4,374 nationally on health and #7 of 95 in Virginia.
How does 1st Advantage compare to other credit unions?
1st Advantage scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (16.31% vs 11.18%).
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?
1st Advantage is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.