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
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 55-59 with 115 others.
55 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Iowa, Collins Community (#61) scores 60/100, 5 points higher; one place down, St. Athanasius (#63) scores 54/100, 1 point lower.
Quarter path for ADVANTAGE
ADVANTAGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $103.7M (2025Q4) to $106.5M (2026Q1).
- Net-worth ratio shifted -0.10 pp (15.15% → 15.05%).
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
ADVANTAGE gives up 45 points in total. Delinquency Rate costs the most, 22.7 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is ADVANTAGE financially healthy?
ADVANTAGE has a financial health score of 55/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,182 of 4,374 nationally on health and #62 of 66 in Iowa. Its net worth ratio is 15.05% and its delinquency rate 3.63%.
How does ADVANTAGE compare to other credit unions?
ADVANTAGE scores 55/100, higher than 4% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.05% vs 12.11%). Its widest shortfall is delinquency rate (3.63% vs 0.89%).
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?
ADVANTAGE is a state-chartered 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 15.05% 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.