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
- BOOK 72/100
- CHARTER 11.8%
- NCUSIF 1.77%
- CAMELS 0.21%
- HEALTH $105.6M
- NW 9,066
- DELQ #3,471/4,374
- ROA Bay Area
- ASSETS 16416
Call Report peers
Advantage Financial in the assets neighbourhood
Advantage Financial's $105.6M assets sit next to Bay Area ($105.5M) 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 Financial 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
72 20th percentile higher than 20% 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 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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for DC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Advantage Financial Call Report trajectory
Advantage Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $105.6M (2025Q4) to $105.1M (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.92% → 11.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- 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 |
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).
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
Two NCUA Call Report peer sets for Advantage Financial, both outside District of Columbia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($105.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
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
- Rates and health both vary by institution, not just by state -- see how District of Columbia credit unions compare overall before assuming this one is typical. District of Columbia 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 Financial financially healthy?
Advantage Financial scores 72/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,471 of 4,374; by total assets it ranks #1,778 of 4,374 nationally (same basis as /rankings/largest); and #11 of 29 within District of Columbia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.85% 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 11.85% 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.
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.