1st Advantage Federal Credit Union Yorktown, Virginia
1st Advantage Federal Credit Union is a federal credit union headquartered in Yorktown, VA, established in 1951 (NCUA charter 7448), and it is regulated and insured by the NCUA. At Q2 2026 it reported 71,651 members and total assets of $1.09B (up 5.4% from Q2 2025), the 16th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 16.66% at Q2 2026, in the well capitalized band.
Also written as 1st Advantage FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 7448
- Headquarters
- Yorktown, VA
- Established
- 1951
- Total assets, Q2 2026
- $1.09B
- Assets vs Q2 2025
- +5.4%
- Members, Q2 2026
- 71,651
- Net worth ratio, Q2 2026
- 16.66%
- Latest call report
- Q2 2026, NCUA 5300 · 1st Advantage Federal Credit Union call report
- Asset rank in state
- 16th of 94 in Virginia
- Routing number
- 251480563
- Branches
- 12
It has 11 fewer members than on June 30, 2025. Its net worth ratio was up 1.12 percentage points from 15.54% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $347.7M of $786.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 16.66% net worth ratio is above that band's 10.89% median.
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Frequently asked about 1st Advantage Federal Credit Union
How big is 1st Advantage Federal Credit Union?
At Q2 2026 it reported total assets of $1.09B and 71,651 members.
Where is 1st Advantage Federal Credit Union headquartered?
It is headquartered in Yorktown, VA, United States.
When was 1st Advantage Federal Credit Union founded?
It was established in 1951, per NCUA records.
Is 1st Advantage Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 7448): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates 1st Advantage Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is 1st Advantage Federal Credit Union well capitalized?
Its net worth ratio was 16.66% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is 1st Advantage Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.45% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is 1st Advantage Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.79% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Yorktown, VA 23693
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 7448
- RSSD ID
- 497383
- Members
- 71,651
- Potential members
- 2,310,891
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 7 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 16.66% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.95% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.68% | 8.07% | 79th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.59% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 61.56% | 70.59% | 79th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.82% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.45% | 0.68% | 75th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.41% | 5.12% | 71st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 87.79% | 88.03% | 49th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.09B total assets against $1.03B; $895.7M total shares and deposits against $862.1M; $786.3M total loans against $767.4M.
$181.2M net worth against $160.5M.
16.66% net worth ratio against 15.54%.
87.79% loan-to-share ratio against 89.01%.
0.45% delinquency ratio against 0.52%.
1.95% return on assets against 1.71%; 11.68% return on equity against 11.01%.
4.59% net interest margin against 4.68%.
71,651 members against 71,662.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.66% | 1.95% | 0.45% | 87.79% |
| March 31, 2026 | 16.31% | 1.68% | 0.44% | 86.01% |
| December 31, 2025 | 16.14% | 2.16% | 0.67% | 88.44% |
| September 30, 2025 | 15.82% | 2.08% | 0.59% | 90.78% |
| June 30, 2025 | 15.54% | 1.71% | 0.52% | 89.01% |
| March 31, 2025 | 15.21% | 1.78% | 0.62% | 87.22% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.