Federal credit union · SAGINAW, Michigan · NCUA charter #20007
Health Advantage
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $176.1M
- Total assets
- 10,746
- Members
- 13.1%
- Net-worth ratio
Health Advantage scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $176.1M; members 10,746; net-worth ratio 13.14%; health rank #1,792 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,792 of 4,374 health · 2025Q4Health Advantage · health 86/100 · $176.1M · 2025Q4
Call Report peers
Health Advantage in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Health Advantage vs every NCUA-scored credit union
Health Advantage sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Health Advantage vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 13.14% vs peer 12.11% (+1.03 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -1.37 pp (70.83% vs 72.20%).
Health Advantage: in-state Call Report ranks
- Michigan health ordinal: #88 of 171.
- Assets rank #87 of 171 inside Michigan ($176.1M reported).
- Member book place in Michigan: #94 of 171.
- One place up in Michigan, Alpena Community (#87) ties at 86/100; one place down, Advantage One (#89) ties at 86/100.
Health Advantage: 2025Q4 → 2026Q1
Health Advantage: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $176.1M (2025Q4) to $179.4M (2026Q1).
- Net-worth ratio shifted -0.04 pp (13.18% → 13.14%).
This credit union's 13.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Health Advantage gives up 14 points in total. Member Growth costs the most, 13.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.2 pts
- Loan-to-Share Ratio 14.8 pts
Health Advantage vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.14% | +1.03 pp |
| Delinquency Rate | 0.41% | -0.48 pp |
| Return on Assets | 0.58% | -0.04 pp |
| Member Growth | -4.34% | - |
| Loan-to-Share Ratio | 70.83% | -1.37 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Health Advantage quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $179.4M | - |
| 2025Q4 | $176.1M | 10,746 |
| 2024Q4 | $169.7M | 11,234 |
| 2023Q4 | $172.5M | 11,109 |
Credit Union Details
- Charter Number
- 20007
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- SAGINAW
- Data Quarter
- 2025Q4
Branch Locations (3)
Health Advantage operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| STATE ST OFFICE (Main Office) | SAGINAW, MI |
| Midland Office | Midland, MI |
| MICHIGAN OFFICE | SAGINAW, 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.
Health Advantage nationwide neighbourhoods
Using this data
- Health Advantage ranks #1,792 of 4,374 nationally on financial health and #88 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Safe Harbor is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Safe Harbor
Frequently Asked Questions
Is Health Advantage financially healthy?
On its 2025Q4 NCUA 5300 filing, Health Advantage scores 86/100 (Excellent), with a 13.14% net worth ratio and 0.41% of loans delinquent. It ranks #1,792 of 4,374 nationally on health and #88 of 171 in Michigan.
How does Health Advantage compare to other credit unions?
Health Advantage scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.14% vs 12.11%). Its widest shortfall is loan-to-share ratio (70.83% vs 72.20%).
How can I join Health Advantage?
Health Advantage 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 Health Advantage directly for the exact boundaries and application steps.
Is my money safe at Health Advantage?
Health Advantage 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. Health Advantage's net worth ratio of 13.14% 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.