Federal credit union · Louisville, Kentucky · NCUA charter #19853
ADVANZ
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $154.0M
- Total assets
- 9,433
- Members
- 15.7%
- Net-worth ratio
ADVANZ scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $154.0M; members 9,433; net-worth ratio 15.73%; health rank #1,923 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,923 of 4,374 health · 2025Q4ADVANZ · health 85/100 · $154.0M · 2025Q4
Call Report peers
ADVANZ in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ADVANZ vs every NCUA-scored credit union
ADVANZ sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
ADVANZ: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +3.62 pp (15.73% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 55.01% vs peer 72.20% (-17.19 pp).
Where ADVANZ sits in Kentucky
- Kentucky health ordinal: #21 of 54.
- Assets rank #15 of 54 inside Kentucky ($154.0M reported).
- Membership ranks #17 of 54 among Kentucky CUs with a reported count (9,433 members).
- One place up in Kentucky, Shawnee Tva Employees (#20) ties at 85/100; one place down, OWENSBORO (#22) ties at 85/100.
Quarter path for ADVANZ
ADVANZ: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $154.0M (2025Q4) to $158.9M (2026Q1).
- Net-worth ratio shifted -0.26 pp (15.99% → 15.73%).
15.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
ADVANZ gives up 15 points in total. Member Growth costs the most, 11.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 11.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.73% | +3.62 pp |
| Delinquency Rate | 0.44% | -0.46 pp |
| Return on Assets | 1.01% | +0.39 pp |
| Member Growth | -3.07% | - |
| Loan-to-Share Ratio | 55.01% | -17.19 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ADVANZ quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $158.9M | - |
| 2025Q4 | $154.0M | 9,433 |
| 2024Q4 | $152.7M | 9,732 |
| 2023Q4 | $150.3M | 9,957 |
Credit Union Details
- Charter Number
- 19853
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
Branch Locations (7)
ADVANZ operates 7 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Louisville, KY |
| Indiana | Jeffersonville, IN |
| Highview | Louisville, KY |
| Maximum | Louisville, KY |
| Tarcana | Louisville, KY |
| PRP | Louisville, KY |
| Edison Center | Louisville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
Other-state peers near ADVANZ
Similar total assets
Using this data
- ADVANZ ranks #1,923 of 4,374 nationally on financial health and #21 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Health & Education is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Health & Education
Frequently Asked Questions
Is ADVANZ financially healthy?
On its 2025Q4 NCUA 5300 filing, ADVANZ scores 85/100 (Excellent), with a 15.73% net worth ratio and 0.44% of loans delinquent. It ranks #1,923 of 4,374 nationally on health and #21 of 54 in Kentucky.
How does ADVANZ compare to other credit unions?
ADVANZ scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.73% vs 12.11%). Its widest shortfall is loan-to-share ratio (55.01% vs 72.20%).
How can I join ADVANZ?
ADVANZ 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 ADVANZ directly for the exact boundaries and application steps.
Is my money safe at ADVANZ?
ADVANZ 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. ADVANZ's net worth ratio of 15.73% 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.