Federal credit union · Dallas, Texas · NCUA charter #2285
ADVANCIAL
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $2.38B
- Total assets
- 140,111
- Members
- 7.9%
- Net-worth ratio
ADVANCIAL scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.38B; members 140,111; net-worth ratio 7.92%; health rank #3,728 of 4,374; healthier than 15th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,728 of 4,374 health · 2025Q4ADVANCIAL · health 68/100 · $2.38B · 2025Q4
Call Report peers
ADVANCIAL in the assets neighbourhood
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ADVANCIAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ADVANCIAL sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for ADVANCIAL
- Largest favorable gap: Loan-to-Share Ratio at 107.12% vs peer 83.90% (+23.22 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.26 pp (7.92% vs 11.18%).
Texas standing for ADVANCIAL
- In Texas, health place is #325 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #17 of 386 inside Texas ($2.38B reported).
- Texas membership ordinal: #15 of 386.
- One place up in Texas, COASTLIFE (#324) ties at 68/100; one place down, Heart O' Texas (#326) ties at 68/100.
ADVANCIAL: 2025Q4 → 2026Q1
ADVANCIAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $2.38B (2025Q4) to $2.39B (2026Q1).
- Net-worth ratio shifted +0.01 pp (7.91% → 7.92%).
7.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 68/100 score is built
ADVANCIAL gives up 32 points in total. Return on Assets costs the most, 13 of its 15; Member Growth scores full marks.
- Net Worth Ratio 24.8 pts
- Delinquency Rate 18.0 pts
- Return on Assets 2.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 8.2 pts
ADVANCIAL vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.92% | -3.26 pp |
| Delinquency Rate | 1.27% | +0.40 pp |
| Return on Assets | -0.28% | -0.79 pp |
| Member Growth | 6.61% | - |
| Loan-to-Share Ratio | 107.12% | +23.22 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
ADVANCIAL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.39B | - |
| 2025Q4 | $2.38B | 140,111 |
| 2024Q4 | $2.40B | 131,420 |
| 2023Q4 | $2.44B | 122,580 |
Credit Union Details
- Charter Number
- 2285
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Dallas
- Data Quarter
- 2025Q4
Branch Locations (17)
ADVANCIAL operates 17 offices across 12 cities, spanning 5 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Advancial Federal Credit Union (Main Office) | Dallas, TX |
| Allen | Allen, TX |
| Midtown Anchorage | Anchorage, AK |
| South Charlotte | Charlotte, NC |
| Future Corporate and Advancial Mortgage | Dallas, TX |
| North Dallas | Dallas, TX |
| Oak Lawn Dallas | Dallas, TX |
| Edmond | Edmond, OK |
| Frisco Branch | Frisco, TX |
| West Houston | Houston, TX |
| River Oaks Houston | Houston, TX |
| Katy Branch | Katy, TX |
| Lafayette | Lafayette, LA |
| South Lafayette | Lafayette, LA |
| Mesquite | Mesquite, TX |
| Richardson | Richardson, TX |
| Woodlands | Shenandoah, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ADVANCIAL
Similar total assets
Using this data
- ADVANCIAL ranks #3,728 of 4,374 nationally on financial health and #325 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEXANS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEXANS
Frequently Asked Questions
Is ADVANCIAL financially healthy?
ADVANCIAL has a financial health score of 68/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,728 of 4,374 nationally on health and #325 of 386 in Texas. Its net worth ratio is 7.92% and its delinquency rate 1.27%.
How does ADVANCIAL compare to other credit unions?
ADVANCIAL scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (107.12% vs 83.90%). Its widest shortfall is net worth ratio (7.92% vs 11.18%).
How can I join ADVANCIAL?
ADVANCIAL 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 ADVANCIAL directly for the exact boundaries and application steps.
Is my money safe at ADVANCIAL?
ADVANCIAL 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. ADVANCIAL's net worth ratio of 7.92% 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.