Federal credit union · Schererville, Indiana · NCUA charter #24078
Advance Financial
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $121.3M
- Total assets
- 7,243
- Members
- 13.0%
- Net-worth ratio
Advance Financial scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $121.3M; members 7,243; net-worth ratio 12.99%; health rank #3,946 of 4,374; healthier than 9th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,946 of 4,374 health · 2025Q4Advance Financial · health 63/100 · $121.3M · 2025Q4
- NCUSIF 63/100
- CAMELS 13.0%
- HEALTH 1.12%
- NW -0.24%
- DELQ $121.3M
- ROA 7,243
- ASSETS #3,946/4,374
- MEM The Health & Education
- RANK 24078
Call Report peers
Advance Financial in the assets neighbourhood
Advance Financial's $121.3M assets sit next to The Health & Education ($121.2M) 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.
Advance Financial 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
63 9th percentile higher than 9% 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
Advance Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24078 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Advance Financial diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +0.88 pp (12.99% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 56.31% here, 72.20% peer average (-15.89 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for Advance Financial
- Indiana health ordinal: #112 of 124.
- By total assets, Advance Financial is #39 of 124 in Indiana.
- Indiana membership ordinal: #52 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Advance Financial: 2025Q4 → 2026Q1
Advance Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $121.3M (2025Q4) to $122.8M (2026Q1).
- Net-worth ratio shifted -0.06 pp (13.05% → 12.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.1 pts
- Return on Assets 2.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.6 pts
Call Report ratios for Advance Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.99% | +0.88 pp |
| Delinquency Rate | 1.12% | +0.23 pp |
| Return on Assets | -0.24% | -0.86 pp |
| Member Growth | -5.65% | - |
| Loan-to-Share Ratio | 56.31% | -15.89 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Advance Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $122.8M | - |
| 2025Q4 | $121.3M | 7,243 |
| 2024Q4 | $123.9M | 7,677 |
| 2023Q4 | $128.8M | 8,507 |
Credit Union Details
- Charter Number
- 24078
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- Schererville
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Advance Financial, spread across 2 cities.
| Office | City |
|---|---|
| Schererville Office (Main Office) | Schererville, IN |
| East Chicago Office | East Chicago, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Advance Financial nationwide neighbourhoods
Advance Financial's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($121.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Advance Financial ranks #3,946 of 4,374 nationally on financial health and #112 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Madison County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Madison County
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 Advance Financial financially healthy?
Advance Financial has a financial health score of 63/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,946 of 4,374; by total assets it ranks #1,666 of 4,374 nationally (same basis as /rankings/largest); and #39 of 124 within Indiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.99% and delinquency rate of 1.12%.
How does Advance Financial compare to other credit unions?
PlainCU's health composite puts Advance Financial at 63/100, compared to a peer group average for $100M–$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 Advance Financial?
Advance Financial 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 Advance Financial directly for the exact boundaries and application steps.
Is my money safe at Advance Financial?
Federal credit unions like Advance Financial 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. Advance Financial's net worth ratio of 12.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Advance Financial offer compared to banks?
Credit unions like Advance Financial 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 Advance Financial 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.