State credit union · Morrison, Illinois · NCUA charter #68343
Advantage One
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $24.8M
- Total assets
- 2,379
- Members
- 11.5%
- Net-worth ratio
Advantage One scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.8M; members 2,379; net-worth ratio 11.46%; health rank #1,816 of 4,374; healthier than 57th of scored peers.
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NCUA 5300 Call Report Masthead
#1,816 of 4,374 health · 2025Q4Advantage One · health 86/100 · $24.8M · 2025Q4
Call Report peers
Advantage One in the assets neighbourhood
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Advantage One vs every NCUA-scored credit union
Advantage One sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Advantage One
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +6.56 pp (66.36% vs 59.80%).
- Net Worth Ratio trails the peer set - 11.46% here, 14.86% peer average (-3.40 pp).
Advantage One: in-state Call Report ranks
- Illinois health ordinal: #76 of 192.
- By total assets, Advantage One is #95 of 192 in Illinois.
- Membership ranks #93 of 192 among Illinois CUs with a reported count (2,379 members).
- One place up in Illinois, State Farm (#75) ties at 86/100; one place down, Decatur Earthmover (#77) ties at 86/100.
How Advantage One's 5300 filing moved
Advantage One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.2% from $24.8M (2025Q4) to $24.0M (2026Q1).
- Net-worth ratio shifted +0.49 pp (10.97% → 11.46%).
At 11.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Advantage One gives up 14 points in total. Member Growth costs the most, 10 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 13.9 pts
Advantage One health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.46% | -3.40 pp |
| Delinquency Rate | 0.79% | -0.36 pp |
| Return on Assets | 0.99% | +0.28 pp |
| Member Growth | -2.22% | - |
| Loan-to-Share Ratio | 66.36% | +6.56 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Advantage One quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.0M | - |
| 2025Q4 | $24.8M | 2,379 |
| 2024Q4 | $22.9M | 2,433 |
| 2023Q4 | $23.4M | 2,505 |
Credit Union Details
- Charter Number
- 68343
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Morrison
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Advantage One runs one office.
| Office | City |
|---|---|
| Advantage One Credit Union (Main Office) | Morrison, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Other-state peers near Advantage One
Similar total assets
Similar health score
Using this data
- Advantage One ranks #1,816 of 4,374 nationally on financial health and #76 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Central Illinois is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Central Illinois
Frequently Asked Questions
Is Advantage One financially healthy?
Advantage One has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,816 of 4,374 nationally on health and #76 of 192 in Illinois. Its net worth ratio is 11.46% and its delinquency rate 0.79%.
How does Advantage One compare to other credit unions?
Advantage One scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (66.36% vs 59.80%). Its widest shortfall is net worth ratio (11.46% vs 14.86%).
How can I join Advantage One?
Membership eligibility for Advantage One depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Advantage One directly for current membership requirements and application steps.
Is my money safe at Advantage One?
Advantage One 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 One's net worth ratio of 11.46% 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.