Federal credit union · Pocatello, Idaho · NCUA charter #8428
Advantage Plus
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $280.6M
- Total assets
- 21,400
- Members
- 9.7%
- Net-worth ratio
Advantage Plus scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $280.6M; members 21,400; net-worth ratio 9.65%; health rank #688 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#688 of 4,374 health · 2025Q4Advantage Plus · health 93/100 · $280.6M · 2025Q4
- CAMELS 93/100
- HEALTH 9.7%
- NW 0.52%
- DELQ 0.72%
- ROA $280.6M
- ASSETS 21,400
- MEM #688/4,374
- RANK People's Community
- PHOTO 8428
Call Report peers
Advantage Plus in the assets neighbourhood
Advantage Plus's $280.6M assets sit next to People's Community ($280.6M) 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 Plus 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
93 Top 16% higher than 84% 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 Plus - Share Insurance Coverage
Charter #8428's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Advantage Plus diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +19.40 pp (91.60% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -2.46 pp (9.65% 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.
Where Advantage Plus sits in Idaho
- Health composite ranks #3 of 26 among scored Idaho credit unions.
- Idaho assets place: #11 of 26.
- Membership ranks #11 of 26 among Idaho CUs with a reported count (21,400 members).
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Advantage Plus Call Report trajectory
Advantage Plus: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $280.6M (2025Q4) to $289.5M (2026Q1).
- Net-worth ratio shifted -0.16 pp (9.81% → 9.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 13.9 pts
Call Report ratios for Advantage Plus
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.65% | -2.46 pp |
| Delinquency Rate | 0.52% | -0.38 pp |
| Return on Assets | 0.72% | +0.10 pp |
| Member Growth | 1.01% | - |
| Loan-to-Share Ratio | 91.60% | +19.40 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).
Call Report history - Advantage Plus
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $289.5M | - |
| 2025Q4 | $280.6M | 21,400 |
| 2024Q4 | $261.6M | 21,186 |
| 2023Q4 | $254.0M | 21,037 |
Credit Union Details
- Charter Number
- 8428
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Idaho
- City
- Pocatello
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Advantage Plus, spread across 7 cities in 2 states.
| Office | City |
|---|---|
| Center Street (Main Office) | Pocatello, ID |
| Afton | Afton, WY |
| American Falls | American Falls, ID |
| Chubbuck | Chubbuck, ID |
| Montpelier | Montpelier, ID |
| Johnny Creek | Pocatello, ID |
| Preston Branch | Preston, ID |
| Soda Springs | Soda Springs, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
Advantage Plus nationwide neighbourhoods
Cross-state asset and health neighbours for Advantage Plus - kept outside Idaho; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($280.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Advantage Plus ranks #688 of 4,374 nationally on financial health and #3 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cottonwood Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cottonwood Community
- Rates and health both vary by institution, not just by state -- see how Idaho credit unions compare overall before assuming this one is typical. Idaho 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 Plus financially healthy?
Advantage Plus has a financial health score of 93/100 (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 #688 of 4,374; by total assets it ranks #1,070 of 4,374 nationally (same basis as /rankings/largest); and #11 of 26 within Idaho. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.65% and delinquency rate of 0.52%.
How does Advantage Plus compare to other credit unions?
93/100 is Advantage Plus'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 Plus?
Advantage Plus operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Advantage Plus directly for the exact boundaries and application steps.
Is my money safe at Advantage Plus?
Federal credit unions like Advantage Plus 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 Plus's net worth ratio of 9.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Advantage Plus offer compared to banks?
Credit unions like Advantage Plus 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 Plus 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.