Credit Union Safety Analysis
Is Advantage Credit Union Safe? Newton, Iowa
Based on its Q2 2026 NCUA 5300 call report, Advantage Credit Union has a net worth ratio of 15.31%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.39%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Advantage Credit Union's net worth ratio is 15.31%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.31%
- Delinquency ratio (60+ days) (Q2 2026): 2.39%
- Return on assets (Q2 2026): 1.02%
- Loan-to-share ratio (Q2 2026): 65.70%
Advantage Credit Union (NCUA charter 64030, established 1937) reported $106.5M in assets and 7,151 members for Q2 2026 from Newton, Iowa. It ranks 28 of 65 credit unions in Iowa by total assets. Total assets grew 2.0% from $104.4M on June 30, 2025. It has 96 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was up 1.35 percentage points from 13.96% on June 30, 2025. Used vehicle loans are its largest loan category, $24.0M of $58.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.39% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 15.05% for Q1 2026; 13.96% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 3.15% for Q1 2026; 3.62% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.10% for Q1 2026; 1.74% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 67.42% for Q1 2026; 77.76% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $24.0M
- 1- to 4-family residential and other consumer real estate loans: $22.1M
- Other secured non-real estate loans and lines of credit: $3.7M
- New vehicle loans: $3.4M
- Commercial loans: $2.5M
- Unsecured credit card loans: $1.9M
- Other unsecured loans and lines of credit: $1.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $106.5M | 15.31% | 2.39% | 1.02% | 65.70% |
| March 31, 2026 | $106.5M | 15.05% | 3.15% | 1.10% | 67.42% |
| December 31, 2025 | $103.7M | 15.15% | 3.63% | 2.34% | 71.96% |
| September 30, 2025 | $103.2M | 14.63% | 2.69% | 1.99% | 75.64% |
| June 30, 2025 | $104.4M | 13.96% | 3.62% | 1.74% | 77.76% |
| March 31, 2025 | $105.3M | 13.40% | 3.17% | 1.63% | 80.26% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Advantage Credit Union profile
Regulator records: NCUA credit union profile (charter 64030) · FFIEC NIC profile (RSSD 548696)
Frequently asked questions
Is Advantage Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Advantage Credit Union's net worth ratio is 15.31%, above the 7% NCUA threshold for well capitalized.
Is Advantage Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Advantage Credit Union is a federally insured credit union (NCUA charter 64030): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Advantage Credit Union's key safety ratios?
For Q2 2026, Advantage Credit Union reports net worth 15.31%, delinquency 2.39%, ROA 1.02%, loan-to-share 65.70%.
What happens to my money if Advantage Credit Union fails?
For Q2 2026, Advantage Credit Union held $89.6M in shares and deposits for 7,151 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.