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
Call Report peers
Advantage Plus in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Advantage Plus sits in 90-94 with 747 others.
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
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%).
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).
- One place up in Idaho, LATAH (#2) scores 96/100, 3 points higher; one place down, Members Preferred (#4) scores 92/100, 1 point lower.
Advantage Plus Call Report trajectory
Advantage Plus: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $280.6M (2025Q4) to $289.5M (2026Q1).
- Net-worth ratio shifted -0.16 pp (9.81% → 9.65%).
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
Advantage Plus gives up 7 points in total. Member Growth costs the most, 4.8 of its 15; Return on Assets scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Advantage Plus financially healthy?
On its 2025Q4 NCUA 5300 filing, Advantage Plus scores 93/100 (Excellent), with a 9.65% net worth ratio and 0.52% of loans delinquent. It ranks #688 of 4,374 nationally on health and #3 of 26 in Idaho.
How does Advantage Plus compare to other credit unions?
Advantage Plus scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (91.60% vs 72.20%). Its widest shortfall is net worth ratio (9.65% vs 12.11%).
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?
Advantage Plus is a federal 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 Plus's net worth ratio of 9.65% 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.