Federal credit union · WASHINGTON, District of Columbia · NCUA charter #16416
Advantage Financial
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $105.6M
- Total assets
- 9,066
- Members
- 11.9%
- Net-worth ratio
Advantage Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #16416 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Advantage Financial - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)57
- Earnings (ROA)71
- Member growth30
- Liquidity (loan-to-share)87
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.92% | 30% |
| Delinquency Rate | 1.77% | 25% |
| Return on Assets | 0.21% | 15% |
| Member Growth | -2.46% | 15% |
| Loan-to-Share Ratio | 61.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Advantage Financial
Advantage Financial is a federal credit union headquartered in WASHINGTON, District of Columbia, serving 9,066 members with $105.6M in total assets and $57.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 72/100 (Very Good), anchored by a net worth ratio of 11.92% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #16416 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
1.77% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 61.20% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.21% on net income of $222K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.46%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in District of Columbia
Other federally-insured credit unions in District of Columbia, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Advantage Financial financially healthy?
Advantage Financial scores 72/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.92% net worth ratio and a 1.77% delinquency rate.
How does Advantage Financial compare to other credit unions?
72/100 is Advantage Financial's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Advantage Financial 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 Financial's net worth ratio of 11.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Advantage Financial offer compared to banks?
Credit unions like Advantage Financial 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 Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.