State credit union · Newton, Iowa · NCUA charter #64030
ADVANTAGE
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $103.7M
- Total assets
- 7,165
- Members
- 15.0%
- Net-worth ratio
ADVANTAGE scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $103.7M; members 7,165; net-worth ratio 15.05%; health rank #4,182 of 4,374; healthier than 4th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,182 of 4,374 health · 2025Q4ADVANTAGE · health 55/100 · $103.7M · 2025Q4
- CAMELS 55/100
- HEALTH 15.0%
- NW 3.63%
- DELQ -1.87%
- ROA $103.7M
- ASSETS 7,165
- MEM #4,182/4,374
- RANK Vue Community
- PHOTO 64030
Call Report peers
ADVANTAGE in the assets neighbourhood
ADVANTAGE's $103.7M assets sit next to Vue Community ($103.7M) 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
55 4th percentile higher than 4% 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
Charter #64030's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
ADVANTAGE vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 15.05% vs peer 12.11% (+2.94 pp).
- Delinquency Rate trails the peer set - 3.63% here, 0.89% peer average (+2.73 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ADVANTAGE: in-state Call Report ranks
- Iowa health ordinal: #62 of 66.
- By total assets, ADVANTAGE is #27 of 66 in Iowa.
- Membership ranks #27 of 66 among Iowa CUs with a reported count (7,165 members).
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ADVANTAGE
ADVANTAGE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $103.7M (2025Q4) to $106.5M (2026Q1).
- Net-worth ratio shifted -0.10 pp (15.15% → 15.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.05% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 55/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.3 pts
- Return on Assets 0.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 14.6 pts
ADVANTAGE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.05% | +2.94 pp |
| Delinquency Rate | 3.63% | +2.73 pp |
| Return on Assets | -1.87% | -2.49 pp |
| Member Growth | -0.53% | - |
| Loan-to-Share Ratio | 71.96% | -0.24 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 - ADVANTAGE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $106.5M | - |
| 2025Q4 | $103.7M | 7,165 |
| 2024Q4 | $102.8M | 7,203 |
| 2023Q4 | $129.0M | 7,131 |
Credit Union Details
- Charter Number
- 64030
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Newton
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, ADVANTAGE runs one office.
| Office | City |
|---|---|
| Advantage Credit Union (Main Office) | Newton, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
ADVANTAGE nationwide neighbourhoods
Cross-state asset and health neighbours for ADVANTAGE - kept outside Iowa; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($103.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
Using this data
- ADVANTAGE ranks #4,182 of 4,374 nationally on financial health and #62 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- River Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with River Valley
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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?
A 15.05% net worth ratio and a 3.63% delinquency rate feed into ADVANTAGE's financial health score of 55/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,182 of 4,374; by total assets it ranks #1,794 of 4,374 nationally (same basis as /rankings/largest); and #27 of 66 within Iowa. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ADVANTAGE compare to other credit unions?
ADVANTAGE scores 55/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 15.05% 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.