Federal credit union · WATERTOWN, South Dakota · NCUA charter #8801
AVANTI
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $31.5M
- Total assets
- 2,967
- Members
- 11.1%
- Net-worth ratio
AVANTI scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.5M; members 2,967; net-worth ratio 11.13%; health rank #2,613 of 4,374; healthier than 39th of scored peers.
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NCUA 5300 Call Report Masthead
#2,613 of 4,374 health · 2025Q4AVANTI · health 81/100 · $31.5M · 2025Q4
Call Report peers
AVANTI in the assets neighbourhood
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AVANTI vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AVANTI sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
AVANTI: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 70.25% vs peer 59.80% (+10.45 pp).
- Largest lag: Net Worth Ratio at 11.13% vs peer 14.86% (-3.73 pp).
AVANTI: in-state Call Report ranks
- In South Dakota, health place is #25 of 33 on the same NCUA-ratio sort used nationally.
- Assets rank #22 of 33 inside South Dakota ($31.5M reported).
- Member book place in South Dakota: #21 of 33.
- One place up in South Dakota, Sioux Valley Coop (#24) ties at 81/100; one place down, Palace City (#26) scores 78/100, 3 points lower.
AVANTI Call Report trajectory
AVANTI: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $31.5M (2025Q4) to $31.8M (2026Q1).
- Net-worth ratio shifted +0.17 pp (10.96% → 11.13%).
This credit union's 11.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
AVANTI gives up 19 points in total. Delinquency Rate costs the most, 18.6 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
AVANTI vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.13% | -3.73 pp |
| Delinquency Rate | 2.97% | +1.83 pp |
| Return on Assets | 1.08% | +0.38 pp |
| Member Growth | 6.31% | - |
| Loan-to-Share Ratio | 70.25% | +10.45 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
AVANTI quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.8M | - |
| 2025Q4 | $31.5M | 2,967 |
| 2024Q4 | $33.7M | 2,791 |
| 2023Q4 | $31.3M | 2,752 |
Credit Union Details
- Charter Number
- 8801
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- WATERTOWN
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, AVANTI runs one office.
| Office | City |
|---|---|
| Avanti Federal Credit Union (Main Office) | Watertown, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
More federally-insured credit unions based in South Dakota, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- AVANTI ranks #2,613 of 4,374 nationally on financial health and #25 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rushmore Electric is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rushmore Electric
Frequently Asked Questions
Is AVANTI financially healthy?
On its 2025Q4 NCUA 5300 filing, AVANTI scores 81/100 (Excellent), with a 11.13% net worth ratio and 2.97% of loans delinquent. It ranks #2,613 of 4,374 nationally on health and #25 of 33 in South Dakota.
How does AVANTI compare to other credit unions?
AVANTI scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (70.25% vs 59.80%). Its widest shortfall is net worth ratio (11.13% vs 14.86%).
How can I join AVANTI?
AVANTI 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 AVANTI directly for the exact boundaries and application steps.
Is my money safe at AVANTI?
AVANTI 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. AVANTI's net worth ratio of 11.13% 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.