State credit union · MICHIGAN CITY, Indiana · NCUA charter #68242
Members Advantage
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $130.8M
- Total assets
- 7,821
- Members
- 9.2%
- Net-worth ratio
Members Advantage scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $130.8M; members 7,821; net-worth ratio 9.17%; health rank #3,665 of 4,374; healthier than 16th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,665 of 4,374 health · 2025Q4Members Advantage · health 69/100 · $130.8M · 2025Q4
- CAMELS 69/100
- HEALTH 9.2%
- NW 1.38%
- DELQ 0.13%
- ROA $130.8M
- ASSETS 7,821
- MEM #3,665/4,374
- RANK Pikes Peak
- PHOTO 68242
Call Report peers
Members Advantage in the assets neighbourhood
Members Advantage's $130.8M assets sit next to Pikes Peak ($130.8M) 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
69 16th percentile higher than 16% 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
Charter #68242's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Members Advantage vs $100M–$500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.93 pp (45.27% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for Members Advantage
- In Indiana, health place is #103 of 124 on the same NCUA-ratio sort used nationally.
- By total assets, Members Advantage is #38 of 124 in Indiana.
- Member book place in Indiana: #49 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Members Advantage Call Report trajectory
Members Advantage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $130.8M (2025Q4) to $134.7M (2026Q1).
- Net-worth ratio shifted -0.18 pp (9.35% → 9.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.17% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 17.2 pts
- Return on Assets 9.5 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.17% | -2.94 pp |
| Delinquency Rate | 1.38% | +0.48 pp |
| Return on Assets | 0.13% | -0.49 pp |
| Member Growth | -2.84% | - |
| Loan-to-Share Ratio | 45.27% | -26.93 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).
Members Advantage quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $134.7M | - |
| 2025Q4 | $130.8M | 7,821 |
| 2024Q4 | $123.2M | 8,050 |
| 2023Q4 | $121.5M | 8,198 |
Credit Union Details
- Charter Number
- 68242
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- MICHIGAN CITY
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Members Advantage, spread across 2 cities.
| Office | City |
|---|---|
| Ohio Steet Branch (Main Office) | Michigan City, IN |
| Woodland Branch | Michigan City, IN |
| Portage Office | Portage, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, 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 Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($130.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Members Advantage ranks #3,665 of 4,374 nationally on financial health and #103 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Indiana State University is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Indiana State University
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 69/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,665 of 4,374; by total assets it ranks #1,596 of 4,374 nationally (same basis as /rankings/largest); and #38 of 124 within Indiana. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.17% and delinquency rate of 1.38%.
How does Members Advantage compare to other credit unions?
PlainCU's health composite puts Members Advantage at 69/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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 9.17% 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.