Federal credit union · WASHINGTON, District of Columbia · NCUA charter #16416
Advantage Financial
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $105.6M
- Total assets
- 9,066
- Members
- 11.8%
- Net-worth ratio
Advantage Financial scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $105.6M; members 9,066; net-worth ratio 11.85%; health rank #3,471 of 4,374; healthier than 20th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,471 of 4,374 health · 2025Q4Advantage Financial · health 72/100 · $105.6M · 2025Q4
Call Report peers
Advantage Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Advantage Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Advantage Financial sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Advantage Financial diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 61.20% here, 72.20% peer average (-11.00 pp).
Advantage Financial: in-state Call Report ranks
- Health composite ranks #17 of 29 among scored District of Columbia credit unions.
- District of Columbia assets place: #11 of 29.
- Member book place in District of Columbia: #9 of 29.
- One place up in District of Columbia, Government Printing Office (#16) scores 76/100, 4 points higher; one place down, D C Fire Department (#18) scores 69/100, 3 points lower.
Advantage Financial Call Report trajectory
Advantage Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $105.6M (2025Q4) to $105.1M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.92% → 11.85%).
At 11.85%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Advantage Financial gives up 28 points in total. Delinquency Rate costs the most, 10.8 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.2 pts
- Return on Assets 10.6 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 12.6 pts
Advantage Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.85% | -0.26 pp |
| Delinquency Rate | 1.77% | +0.88 pp |
| Return on Assets | 0.21% | -0.41 pp |
| Member Growth | -2.46% | - |
| Loan-to-Share Ratio | 61.20% | -11.00 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Advantage Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $105.1M | - |
| 2025Q4 | $105.6M | 9,066 |
| 2024Q4 | $105.7M | 9,295 |
| 2023Q4 | $111.5M | 9,411 |
Credit Union Details
- Charter Number
- 16416
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- District of Columbia
- City
- WASHINGTON
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, Advantage Financial runs 6 offices in 4 different cities across 3 states.
| Office | City |
|---|---|
| 1319 F ST NW (Main Office) | WASHINGTON, DC |
| ALBANY MED CENTER | ALBANY, NY |
| BROOKLYN VA Medical Center | Brooklyn, NY |
| PHILADELPHIA VA Offices | PHILADELPHIA, PA |
| VA Central Office | WASHINGTON, DC |
| NoMa | WASHINGTON, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in District of Columbia
Other federally-insured credit unions in District of Columbia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Advantage Financial ranks #3,471 of 4,374 nationally on financial health and #17 of 29 in DC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- F R B is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with F R B
Frequently Asked Questions
Is Advantage Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Advantage Financial scores 72/100 (Very Good), with a 11.85% net worth ratio and 1.77% of loans delinquent. It ranks #3,471 of 4,374 nationally on health and #17 of 29 in District of Columbia.
How does Advantage Financial compare to other credit unions?
Advantage Financial scores 72/100, higher than 20% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (61.20% vs 72.20%).
How can I join Advantage Financial?
Advantage Financial serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Advantage Financial directly for the current list of qualifying groups.
Is my money safe at Advantage Financial?
Advantage Financial 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 Financial's net worth ratio of 11.85% 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.