State credit union · Wisconsin Rapid, Wisconsin · NCUA charter #66633
Members' Advantage
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $183.6M
- Total assets
- 11,238
- Members
- 18.9%
- Net-worth ratio
Members' Advantage scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $183.6M; members 11,238; net-worth ratio 18.91%; health rank #724 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#724 of 4,374 health · 2025Q4Members' Advantage · health 92/100 · $183.6M · 2025Q4
- ROA 92/100
- ASSETS 18.9%
- MEM 0.17%
- RANK 1.24%
- PHOTO $183.6M
- BOOK 11,238
- CHARTER #724/4,374
- NCUSIF Miami Firefighters
- CAMELS 66633
Call Report peers
Members' Advantage in the assets neighbourhood
Members' Advantage's $183.6M assets sit next to Miami Firefighters ($183.7M) 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.
Members' Advantage 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
92 Top 20% higher than 80% 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
Members' Advantage - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66633, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Members' Advantage diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 82.04% vs peer 72.20% (+9.84 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Members' Advantage sits in Wisconsin
- Health composite ranks #28 of 100 among scored Wisconsin credit unions.
- Wisconsin assets place: #36 of 100.
- Wisconsin membership ordinal: #38 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Members' Advantage's 5300 filing moved
Members' Advantage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $183.6M (2025Q4) to $183.5M (2026Q1).
- Net-worth ratio shifted +0.44 pp (18.47% → 18.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 15.3 pts
Members' Advantage vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.91% | +6.80 pp |
| Delinquency Rate | 0.17% | -0.72 pp |
| Return on Assets | 1.24% | +0.61 pp |
| Member Growth | -1.28% | - |
| Loan-to-Share Ratio | 82.04% | +9.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $183.5M | - |
| 2025Q4 | $183.6M | 11,238 |
| 2024Q4 | $182.0M | 11,384 |
| 2023Q4 | $181.8M | 11,435 |
Credit Union Details
- Charter Number
- 66633
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Wisconsin Rapid
- Data Quarter
- 2025Q4
Branch Locations (2)
Members' Advantage operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wisconsin Rapids Office (Main Office) | Wisconsin Rapids, WI |
| Plover Office | Plover, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Other-state peers near Members' Advantage
Members' Advantage's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($183.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Members' Advantage ranks #724 of 4,374 nationally on financial health and #28 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RIPCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RIPCO
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 Members' Advantage financially healthy?
Members' Advantage has a financial health score of 92/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #724 of 4,374; by total assets it ranks #1,341 of 4,374 nationally (same basis as /rankings/largest); and #36 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.91% and delinquency rate of 0.17%.
How does Members' Advantage compare to other credit unions?
Five weighted metrics from NCUA filings produce Members' Advantage's 92/100 score on PlainCU's health composite, compared to a peer group average for $100M–$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 Members' Advantage?
Membership eligibility for Members' Advantage depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members' Advantage directly for current membership requirements and application steps.
Is my money safe at Members' Advantage?
Federal credit unions like Members' 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. Members' Advantage's net worth ratio of 18.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members' Advantage offer compared to banks?
Credit unions like Members' 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 Members' Advantage 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.