Federal credit union · SAGINAW, Michigan · NCUA charter #20007
Health Advantage
Health score 86/100 (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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #20007: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Health Advantage - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth8
- Liquidity (loan-to-share)100
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.11% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.11% | 30% |
| Delinquency Rate | 0.41% | 25% |
| Return on Assets | 0.58% | 15% |
| Member Growth | -4.34% | 15% |
| Loan-to-Share Ratio | 70.83% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Health Advantage
Headquartered in SAGINAW, Michigan, Health Advantage is a federal credit union with 10,746 members, $176.1M in total assets, and $108.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 86/100 (Excellent), driven in part by a net worth ratio of 13.11% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #20007 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.41% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 70.83% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.58% on net income of $1.0M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.34%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Health Advantage financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Health Advantage carries a financial health score of 86/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.11% net worth ratio and a 0.41% delinquency rate.
How does Health Advantage compare to other credit unions?
On PlainCU's health composite, Health Advantage lands at 86/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Health Advantage 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. Health Advantage's net worth ratio of 13.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Health Advantage offer compared to banks?
Credit unions like Health Advantage 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 Health Advantage directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.