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
Call Report peers
Advantage One in the assets neighbourhood
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
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
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%).
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.
- One place up in Michigan, Health Advantage (#88) ties at 86/100; one place down, WAYNE-WESTLAND (#90) ties at 86/100.
Advantage One: 2025Q4 → 2026Q1
Advantage One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $256.9M (2025Q4) to $266.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (11.77% → 11.62%).
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
Advantage One gives up 14 points in total. Member Growth costs the most, 7.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Advantage One financially healthy?
On its 2025Q4 NCUA 5300 filing, Advantage One scores 86/100 (Excellent), with a 11.62% net worth ratio and 1.17% of loans delinquent. It ranks #1,813 of 4,374 nationally on health and #89 of 171 in Michigan.
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 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (91.28% vs 72.20%). Its widest shortfall is net worth ratio (11.62% vs 12.11%).
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 11.62% 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.