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.
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NCUA 5300 Call Report Masthead
#3,946 of 4,374 health · 2025Q4Advance Financial · health 63/100 · $121.3M · 2025Q4
Call Report peers
Advance Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Advance Financial sits in 60-64 with 179 others.
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Indiana, Local 697 (#111) scores 64/100, 1 point higher; one place down, Power One (#113) scores 61/100, 2 points lower.
Advance Financial: 2025Q4 → 2026Q1
Advance Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $121.3M (2025Q4) to $122.8M (2026Q1).
- Net-worth ratio shifted -0.06 pp (13.05% → 12.99%).
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
Advance Financial gives up 37 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Advance Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Advance Financial scores 63/100 (Good), with a 12.99% net worth ratio and 1.12% of loans delinquent. It ranks #3,946 of 4,374 nationally on health and #112 of 124 in Indiana.
How does Advance Financial compare to other credit unions?
Advance Financial scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (12.99% vs 12.11%). Its widest shortfall is loan-to-share ratio (56.31% vs 72.20%).
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?
Advance Financial 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. Advance Financial's net worth ratio of 12.99% 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.