Federal credit union · Rochester, New York · NCUA charter #24181
ADVANTAGE
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $490.5M
- Total assets
- 34,565
- Members
- 10.2%
- Net-worth ratio
ADVANTAGE scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $490.5M; members 34,565; net-worth ratio 10.22%; health rank #834 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#834 of 4,374 health · 2025Q4ADVANTAGE · health 92/100 · $490.5M · 2025Q4
Call Report peers
ADVANTAGE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ADVANTAGE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ADVANTAGE sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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 ADVANTAGE diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 95.96% here, 72.20% peer average (+23.76 pp).
- Largest lag: Net Worth Ratio at 10.22% vs peer 12.11% (-1.89 pp).
New York standing for ADVANTAGE
- Health composite ranks #45 of 272 among scored New York credit unions.
- Assets rank #36 of 272 inside New York ($490.5M reported).
- New York membership ordinal: #34 of 272.
- One place up in New York, Tonawanda Community (#44) ties at 92/100; one place down, First New York (#46) ties at 92/100.
ADVANTAGE Call Report trajectory
ADVANTAGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.8% from $490.5M (2025Q4) to $481.7M (2026Q1).
- Net-worth ratio shifted +0.34 pp (9.88% → 10.22%).
This credit union's 10.22% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
ADVANTAGE gives up 8 points in total. Member Growth costs the most, 5.5 of its 15; Delinquency Rate and Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 12.5 pts
ADVANTAGE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.22% | -1.89 pp |
| Delinquency Rate | 0.50% | -0.39 pp |
| Return on Assets | 0.60% | -0.02 pp |
| Member Growth | 0.39% | - |
| Loan-to-Share Ratio | 95.96% | +23.76 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ADVANTAGE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $481.7M | - |
| 2025Q4 | $490.5M | 34,565 |
| 2024Q4 | $477.9M | 34,430 |
| 2023Q4 | $496.3M | 35,429 |
Credit Union Details
- Charter Number
- 24181
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Rochester
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for ADVANTAGE.
| Office | City |
|---|---|
| Metro Park (Main Office) | Rochester, NY |
| Broad Street | Rochester, NY |
| Gates | Rochester, NY |
| Mt Hope | Rochester, NY |
| Rochester General Hospital | Rochester, NY |
| RIT | Rochester, NY |
| Penfield | Rochester, NY |
| U of R | Rochester, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ADVANTAGE
Using this data
- ADVANTAGE ranks #834 of 4,374 nationally on financial health and #45 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEG is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEG
Frequently Asked Questions
Is ADVANTAGE financially healthy?
On its 2025Q4 NCUA 5300 filing, ADVANTAGE scores 92/100 (Excellent), with a 10.22% net worth ratio and 0.50% of loans delinquent. It ranks #834 of 4,374 nationally on health and #45 of 272 in New York.
How does ADVANTAGE compare to other credit unions?
ADVANTAGE scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (95.96% vs 72.20%). Its widest shortfall is net worth ratio (10.22% vs 12.11%).
How can I join ADVANTAGE?
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 ADVANTAGE directly for the exact boundaries and application steps.
Is my money safe at ADVANTAGE?
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. ADVANTAGE's net worth ratio of 10.22% 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.