State credit union · Brownstown, Michigan · NCUA charter #68679
Advantage One
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $256.9M
- Total assets
- 17,815
- Members
- 11.6%
- Net-worth ratio
Advantage One scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $256.9M; members 17,815; net-worth ratio 11.62%; health rank #1,813 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,813 of 4,374 health · 2025Q4Advantage One · health 86/100 · $256.9M · 2025Q4
- NCUSIF 86/100
- CAMELS 11.6%
- HEALTH 1.17%
- NW 1.07%
- DELQ $256.9M
- ROA 17,815
- ASSETS #1,813/4,374
- MEM Primetrust Financial
- RANK 68679
Call Report peers
Advantage One in the assets neighbourhood
Advantage One's $256.9M assets sit next to Primetrust Financial ($257.2M) 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 One 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
86 Top 43% higher than 57% 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 One - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68679, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Advantage One: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 91.28% vs peer 72.20% (+19.08 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.49 pp (11.62% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Advantage One: in-state Call Report ranks
- Health composite ranks #89 of 171 among scored Michigan credit unions.
- Michigan assets place: #69 of 171.
- Member book place in Michigan: #71 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Advantage One: 2025Q4 → 2026Q1
Advantage One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $256.9M (2025Q4) to $266.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (11.77% → 11.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.7 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 14.6 pts
Advantage One health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.62% | -0.49 pp |
| Delinquency Rate | 1.17% | +0.27 pp |
| Return on Assets | 1.07% | +0.44 pp |
| Member Growth | -0.74% | - |
| Loan-to-Share Ratio | 91.28% | +19.08 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 One quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $266.0M | - |
| 2025Q4 | $256.9M | 17,815 |
| 2024Q4 | $253.0M | 17,948 |
| 2023Q4 | $256.5M | 17,940 |
Credit Union Details
- Charter Number
- 68679
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Brownstown
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Advantage One, spread across 3 cities.
| Office | City |
|---|---|
| Advantage One Credit Union (Main Office) | Brownstown, MI |
| Southgate branch office | Southgate, MI |
| Advantage One Credit Union | Taylor, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Advantage One - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($256.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Advantage One ranks #1,813 of 4,374 nationally on financial health and #89 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Francis X is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Francis X
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 One financially healthy?
Advantage One has a financial health score of 86/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,813 of 4,374; by total assets it ranks #1,122 of 4,374 nationally (same basis as /rankings/largest); and #69 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.62% and delinquency rate of 1.17%.
How does Advantage One compare to other credit unions?
Advantage One scores 86/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Advantage One 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 One's net worth ratio of 11.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Advantage One offer compared to banks?
Credit unions like Advantage One 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 One 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.