Headquartered in Newport News, Virginia, 1st Advantage Federal Credit Union is a federal credit union with $1.1B in total assets and $895.7M in member shares and deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1951.
1st Advantage Federal Credit Union has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 454 credit unions with $1 billion – $10 billion. Among 95 credit unions headquartered in Virginia, it ranks 7th. Capital cushion contributes the most (100/100, 16.66%); funding & liquidity contributes the least (72/100, 88% loans-to-deposits, 5% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 90).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 89 |
| Q4 2024 | 90 |
| Q1 2025 | 88 |
| Q2 2025 | 89 |
| Q3 2025 | 88 |
| Q4 2025 | 89 |
| Q1 2026 | 89 |
| Q2 2026 | 90 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.18% |
| Q3 2024 | 14.65% |
| Q4 2024 | 15.02% |
| Q1 2025 | 15.21% |
| Q2 2025 | 15.54% |
| Q3 2025 | 15.82% |
| Q4 2025 | 16.14% |
| Q1 2026 | 16.31% |
| Q2 2026 | 16.66% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.62% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.74% |
| Q3 2024 | 1.84% |
| Q4 2024 | 1.88% |
| Q1 2025 | 1.78% |
| Q2 2025 | 1.74% |
| Q3 2025 | 1.84% |
| Q4 2025 | 1.90% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.81% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 90 | $1.1B | 16.66% | 0.45% | 1.81% | 87.8% |
| Q1 2026 | 89 | $1.1B | 16.31% | 0.44% | 1.68% | 86.0% |
| Q4 2025 | 89 | $1.1B | 16.14% | 0.67% | 1.90% | 88.4% |
| Q3 2025 | 88 | $1.0B | 15.82% | 0.59% | 1.84% | 90.8% |
| Q2 2025 | 89 | $1.0B | 15.54% | 0.52% | 1.74% | 89.0% |
| Q1 2025 | 88 | $1.0B | 15.21% | 0.62% | 1.78% | 87.2% |
| Q4 2024 | 90 | $1.0B | 15.02% | 0.57% | 1.88% | 86.4% |
| Q3 2024 | 89 | $1.0B | 14.65% | 0.51% | 1.84% | 84.8% |
| Q2 2024 | 87 | $996.5M | 14.18% | 0.50% | 1.74% | 85.3% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Justice Federal Credit UnionCredit union Chantilly, VA | 65 out of 100, Moderate | $1.1B | 12.1% | 1.28% | vs |
| Freedom First Federal Credit UnionCredit union Roanoke, VA | 64 out of 100, Moderate | $1.3B | 10.9% | 0.48% | vs |
| United States Senate Federal Credit UnionCredit union Alexandria, VA | 45 out of 100, Below average | $1.5B | 7.9% | 1.63% | vs |
| University of VA Community Credit UnionCredit union Charlottesville, VA | 69 out of 100, Moderate | $1.6B | 10.4% | 0.57% | vs |
| Dupont Community Credit UnionCredit union Waynesboro, VA | 76 out of 100, Strong | $2.1B | 10.9% | 0.33% | vs |
| Bayport Federal Credit UnionCredit union Newport News, VA | 69 out of 100, Moderate | $2.8B | 11.3% | 0.71% | vs |
Deposit insurance
Is my money safe at 1st Advantage Federal Credit Union?
Yes. 1st Advantage Federal Credit Union is a federally insured credit union (NCUA charter #7448). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.8% of shares and deposits ($43.4M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 16.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
11 locations
Branches
1st Advantage Federal Credit Union lists 11 offices in 7 cities. Most locations:
- Hampton, VA (2)
- Newport News, VA (2)
- Williamsburg, VA (2)
- Yorktown, VA (2)
- Gloucester, VA (1)
- Richmond, VA (1)
- Virginia Beach, VA (1)
HMDA 2025
Mortgage lending
In 2025, 1st Advantage Federal Credit Union reported 1,078 home-loan applications under HMDA (LEI 5493003KBJMVUE7RQO90): 691 originated ($132,565,000 total), 285 denied, and 61 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- 1st Advantage Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 7448
- RSSD ID
- 497383
- Primary regulator
- NCUA
- Established
- 1951
- Headquarters
- PO Box 2116, Newport News, VA 23609
- Employees
- 224
Quick answers
1st Advantage Federal Credit Union: common questions
Is 1st Advantage Federal Credit Union NCUA insured?
Yes. 1st Advantage Federal Credit Union is a federally insured credit union (NCUA charter #7448). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is 1st Advantage Federal Credit Union's TellerScore?
90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does 1st Advantage Federal Credit Union have?
11 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Newport News
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of Southside VirginiaBank Carson, VA | 97 out of 100, Very strong | $670.3M | 23.4% | 0.08% | vs |
| Virginia Educators Credit UnionCredit union Newport News, VA | 96 out of 100, Very strong | $76.3M | 24.2% | 0.43% | vs |
| Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA | 93 out of 100, Very strong | $26.8M | 20.1% | 0.41% | vs |
| Beach Municipal Federal Credit UnionCredit union Virginia Beach, VA | 87 out of 100, Very strong | $194.7M | 14.1% | 0.78% | vs |
| Ibew Local Union 80 Federal Credit UnionCredit union Norfolk, VA | 84 out of 100, Strong | $1.8M | 13.3% | 0.57% | vs |
| Pfd Firefighters Credit Union Inc.Credit union Portsmouth, VA | 82 out of 100, Strong | $34.4M | 14.9% | 0.07% | vs |