Advantage Credit Union Incorporated Mansfield, Ohio
Advantage Credit Union Incorporated is a state-chartered credit union headquartered in Mansfield, OH, established in 1961 (NCUA charter 61383), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,486 members and total assets of $43.2M (up 4.0% from Q2 2025), the 114th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 9.43% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61383
- Headquarters
- Mansfield, OH
- Established
- 1961
- Total assets, Q2 2026
- $43.2M
- Assets vs Q2 2025
- +4.0%
- Members, Q2 2026
- 3,486
- Net worth ratio, Q2 2026
- 9.43%
- Latest call report
- Q2 2026, NCUA 5300 · Advantage Credit Union Incorporated call report
- Asset rank in state
- 114th of 191 in Ohio
- Routing number
- 241279881
- Branches
- 1
It has 265 fewer members than on June 30, 2025 (-7.1%). Its net worth ratio was down 0.20 percentage points from 9.63% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $9.3M of $20.5M in total loans on its June 30, 2026 filing.
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Frequently asked about Advantage Credit Union Incorporated
How big is Advantage Credit Union Incorporated?
At Q2 2026 it reported total assets of $43.2M and 3,486 members.
Where is Advantage Credit Union Incorporated headquartered?
It is headquartered in Mansfield, OH, United States.
When was Advantage Credit Union Incorporated founded?
It was established in 1961, per NCUA records.
Is Advantage Credit Union Incorporated FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61383): 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 Advantage Credit Union Incorporated?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Advantage Credit Union Incorporated well capitalized?
Its net worth ratio was 9.43% 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 Advantage Credit Union Incorporated's loan-to-share ratio?
Its loan-to-share ratio was 51.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mansfield, OH 44906
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 61383
- RSSD ID
- 17594
- Members
- 3,486
- Potential members
- 50,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.43% | 14.31% | 12th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.09% | 0.72% | 24th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.99% | 4.74% | 25th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.88% | 3.93% | 48th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 85.34% | 79.83% | 38th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.45% | 0.78% | 70th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.33% | 4.70% | 31st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 51.16% | 58.92% | 38th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$43.2M total assets against $41.5M; $40.1M total shares and deposits against $38.8M; $20.5M total loans against $22.7M.
$4.1M net worth against $4.0M.
9.43% net worth ratio against 9.63%.
51.16% loan-to-share ratio against 58.48%.
0.09% return on assets against 0.20%; 0.99% return on equity against 2.05%.
3.88% net interest margin against 3.71%.
3,486 members against 3,751.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.43% | 0.09% | — | 51.16% |
| March 31, 2026 | 9.56% | 0.05% | 0.08% | 52.86% |
| December 31, 2025 | 9.41% | 0.40% | 0.16% | 55.12% |
| September 30, 2025 | 9.59% | 0.14% | 0.07% | 57.79% |
| June 30, 2025 | 9.63% | 0.20% | — | 58.48% |
| March 31, 2025 | 9.52% | -0.16% | 0.05% | 58.03% |
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.