State credit union · Grand Rapids, Michigan · NCUA charter #60936
ADVENTURE
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $629.0M
- Total assets
- 38,379
- Members
- 11.4%
- Net-worth ratio
ADVENTURE scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $629.0M; members 38,379; net-worth ratio 11.41%; health rank #648 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#648 of 4,374 health · 2025Q4ADVENTURE · health 93/100 · $629.0M · 2025Q4
- DELQ 93/100
- ROA 11.4%
- ASSETS 0.90%
- MEM 0.32%
- RANK $629.0M
- PHOTO 38,379
- BOOK #648/4,374
- CHARTER Our Community
- NCUSIF 60936
Call Report peers
ADVENTURE in the assets neighbourhood
ADVENTURE's $629.0M assets sit next to Our Community ($630.2M) 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.
ADVENTURE 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
ADVENTURE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60936, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where ADVENTURE diverges from peer averages
- Net Worth Ratio leads the peer set - 11.41% here, 11.18% peer average (+0.23 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.07 pp (79.83% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for ADVENTURE
- Health composite ranks #25 of 171 among scored Michigan credit unions.
- Assets rank #40 of 171 inside Michigan ($629.0M reported).
- Michigan membership ordinal: #40 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.
ADVENTURE Call Report trajectory
ADVENTURE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $629.0M (2025Q4) to $642.0M (2026Q1).
- Net-worth ratio shifted -0.20 pp (11.61% → 11.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under 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 30.0 pts
- Delinquency Rate 21.0 pts
- Return on Assets 12.2 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.8 pts
ADVENTURE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.41% | +0.23 pp |
| Delinquency Rate | 0.90% | +0.03 pp |
| Return on Assets | 0.32% | -0.19 pp |
| Member Growth | 25.18% | - |
| Loan-to-Share Ratio | 79.83% | -4.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $642.0M | - |
| 2025Q4 | $629.0M | 38,379 |
| 2024Q4 | $447.7M | 30,660 |
| 2023Q4 | $434.9M | 31,594 |
Credit Union Details
- Charter Number
- 60936
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Grand Rapids
- Data Quarter
- 2025Q4
Branch Locations (10)
ADVENTURE operates 10 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 32nd Street (Main Office) | Grand Rapids, MI |
| Lindsey | Dewitt, MI |
| Plainfield | Grand Rapids, MI |
| Crossings Drive | Grand Rapids, MI |
| Walker | Grand Rapids, MI |
| State | Ionia, MI |
| Lake Lansing | Lansing, MI |
| Jolly | Lansing, MI |
| Saginaw | Lansing, MI |
| Wilson | Wyoming, 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.
Cross-state Call Report peers for ADVENTURE
ADVENTURE's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($629.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- ADVENTURE ranks #648 of 4,374 nationally on financial health and #25 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Omni Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Omni Community
- 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 ADVENTURE financially healthy?
ADVENTURE scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #648 of 4,374; by total assets it ranks #663 of 4,374 nationally (same basis as /rankings/largest); and #40 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.41% net worth ratio and a 0.90% delinquency rate.
How does ADVENTURE compare to other credit unions?
Five weighted metrics from NCUA filings produce ADVENTURE's 93/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 ADVENTURE?
Membership eligibility for ADVENTURE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ADVENTURE directly for current membership requirements and application steps.
Is my money safe at ADVENTURE?
Federal credit unions like ADVENTURE 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. ADVENTURE's net worth ratio of 11.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ADVENTURE offer compared to banks?
Credit unions like ADVENTURE 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 ADVENTURE 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.