Credit Union Safety Analysis
Is Share Advantage Credit Union Safe? Duluth, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Share Advantage Credit Union has a net worth ratio of 13.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.77%, 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, Share Advantage Credit Union's net worth ratio is 13.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.43%
- Delinquency ratio (60+ days) (Q2 2026): 2.77%
- Return on assets (Q2 2026): 0.81%
- Loan-to-share ratio (Q2 2026): 76.42%
Share Advantage Credit Union (NCUA charter 60242, established 1926) reported $57.5M in assets and 3,389 members for Q2 2026 from Duluth, Minnesota. It ranks 48 of 79 credit unions in Minnesota by total assets. Total assets grew 5.0% from $54.7M on June 30, 2025. It has 114 fewer members than on June 30, 2025 (-3.3%). Its net worth ratio was up 0.46 percentage points from 12.97% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $27.4M of $37.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.77% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.99% for Q1 2026; 12.97% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.87% for Q1 2026; 1.22% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.86% for Q1 2026; 1.24% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 73.94% for Q1 2026; 79.07% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $27.4M
- Used vehicle loans: $5.2M
- Commercial loans: $1.4M
- Other secured non-real estate loans and lines of credit: $1.4M
- New vehicle loans: $1.3M
- Other unsecured loans and lines of credit: $435K
- Unsecured credit card loans: $359K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $57.5M | 13.43% | 2.77% | 0.81% | 76.42% |
| March 31, 2026 | $58.5M | 12.99% | 1.87% | 0.86% | 73.94% |
| December 31, 2025 | $56.4M | 13.26% | 1.31% | 1.38% | 77.92% |
| September 30, 2025 | $56.0M | 12.90% | 1.83% | 3.31% | 77.88% |
| June 30, 2025 | $54.7M | 12.97% | 1.22% | 1.24% | 79.07% |
| March 31, 2025 | $57.1M | 12.17% | 0.36% | -0.76% | 75.84% |
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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.
Share Advantage Credit Union profile
Regulator records: NCUA credit union profile (charter 60242) · FFIEC NIC profile (RSSD 385592)
Frequently asked questions
Is Share Advantage Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Share Advantage Credit Union's net worth ratio is 13.43%, above the 7% NCUA threshold for well capitalized.
Is Share Advantage Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Share Advantage Credit Union is a federally insured credit union (NCUA charter 60242): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Share Advantage Credit Union's key safety ratios?
For Q2 2026, Share Advantage Credit Union reports net worth 13.43%, delinquency 2.77%, ROA 0.81%, loan-to-share 76.42%.
What happens to my money if Share Advantage Credit Union fails?
For Q2 2026, Share Advantage Credit Union held $49.2M in shares and deposits for 3,389 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.