State credit union · Mansfield, Ohio · NCUA charter #61383
ADVANTAGE
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $43.1M
- Total assets
- 3,559
- Members
- 9.6%
- Net-worth ratio
ADVANTAGE scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.1M; members 3,559; net-worth ratio 9.56%; health rank #3,291 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,291 of 4,374 health · 2025Q4ADVANTAGE · health 75/100 · $43.1M · 2025Q4
- CAMELS 75/100
- HEALTH 9.6%
- NW 0.16%
- DELQ 0.11%
- ROA $43.1M
- ASSETS 3,559
- MEM #3,291/4,374
- RANK Pueblo Government Agencies
- PHOTO 61383
Call Report peers
ADVANTAGE in the assets neighbourhood
ADVANTAGE's $43.1M assets sit next to Pueblo Government Agencies ($43.1M) 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.
ADVANTAGE 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
75 24th percentile higher than 24% 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
ADVANTAGE - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #61383: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
ADVANTAGE: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.16% here, 1.15% peer average (-0.98 pp).
- Largest lag: Net Worth Ratio at 9.56% vs peer 14.86% (-5.30 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for ADVANTAGE
- In Ohio, health place is #152 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #113 of 196.
- Membership ranks #113 of 196 among Ohio CUs with a reported count (3,559 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ADVANTAGE Call Report trajectory
ADVANTAGE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.4% from $43.1M (2025Q4) to $42.5M (2026Q1).
- Net-worth ratio shifted +0.15 pp (9.41% → 9.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.9 pts
Call Report ratios for ADVANTAGE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.56% | -5.30 pp |
| Delinquency Rate | 0.16% | -0.98 pp |
| Return on Assets | 0.11% | -0.59 pp |
| Member Growth | -5.52% | - |
| Loan-to-Share Ratio | 55.12% | -4.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - ADVANTAGE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.5M | - |
| 2025Q4 | $43.1M | 3,559 |
| 2024Q4 | $41.3M | 3,767 |
| 2023Q4 | $43.8M | 3,959 |
Credit Union Details
- Charter Number
- 61383
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Mansfield
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, ADVANTAGE runs one office.
| Office | City |
|---|---|
| Advantage Credit Union, Inc. (Main Office) | Ontario, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ADVANTAGE
ADVANTAGE's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($43.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- ADVANTAGE ranks #3,291 of 4,374 nationally on financial health and #152 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HARVEST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HARVEST
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 ADVANTAGE financially healthy?
ADVANTAGE has a financial health score of 75/100 (Very 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 #3,291 of 4,374; by total assets it ranks #2,534 of 4,374 nationally (same basis as /rankings/largest); and #113 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.56% and delinquency rate of 0.16%.
How does ADVANTAGE compare to other credit unions?
ADVANTAGE scores 75/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 ADVANTAGE?
Membership eligibility for ADVANTAGE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ADVANTAGE directly for current membership requirements and application steps.
Is my money safe at ADVANTAGE?
Federal credit unions like ADVANTAGE 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. ADVANTAGE's net worth ratio of 9.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ADVANTAGE offer compared to banks?
Credit unions like ADVANTAGE 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 ADVANTAGE 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.