Headquartered in Newton, Iowa, Advantage Credit Union is a federally insured state-chartered credit union with $106.5M in total assets and $89.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1937.
Advantage Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 43rd. Capital cushion contributes the most (100/100, 15.31%); loan quality contributes the least (20/100, 2.39%).
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
From Q2 2025 to Q2 2026, the score rose 7 points (63 → 70), mostly because the earnings component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 41 |
| Q3 2024 | 41 |
| Q4 2024 | 46 |
| Q1 2025 | 61 |
| Q2 2025 | 63 |
| Q3 2025 | 70 |
| Q4 2025 | 70 |
| Q1 2026 | 64 |
| Q2 2026 | 70 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.40% |
| Q3 2024 | 13.14% |
| Q4 2024 | 13.29% |
| Q1 2025 | 13.40% |
| Q2 2025 | 13.96% |
| Q3 2025 | 14.63% |
| Q4 2025 | 15.15% |
| Q1 2026 | 15.05% |
| Q2 2026 | 15.31% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 5.02% |
| Q3 2024 | 5.06% |
| Q4 2024 | 2.65% |
| Q1 2025 | 3.17% |
| Q2 2025 | 3.62% |
| Q3 2025 | 2.69% |
| Q4 2025 | 3.63% |
| Q1 2026 | 3.15% |
| Q2 2026 | 2.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.62% |
| Q3 2024 | -0.76% |
| Q4 2024 | -1.88% |
| Q1 2025 | 1.63% |
| Q2 2025 | 1.69% |
| Q3 2025 | 1.81% |
| Q4 2025 | 1.93% |
| Q1 2026 | 1.10% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $106.5M | 15.31% | 2.39% | 1.06% | 65.7% |
| Q1 2026 | 64 | $106.5M | 15.05% | 3.15% | 1.10% | 67.4% |
| Q4 2025 | 70 | $103.7M | 15.15% | 3.63% | 1.93% | 72.0% |
| Q3 2025 | 70 | $103.2M | 14.63% | 2.69% | 1.81% | 75.6% |
| Q2 2025 | 63 | $104.4M | 13.96% | 3.62% | 1.69% | 77.8% |
| Q1 2025 | 61 | $105.3M | 13.40% | 3.17% | 1.63% | 80.3% |
| Q4 2024 | 46 | $102.8M | 13.29% | 2.65% | -1.88% | 84.9% |
| Q3 2024 | 41 | $113.8M | 13.14% | 5.06% | -0.76% | 81.3% |
| Q2 2024 | 41 | $113.8M | 13.40% | 5.02% | -0.62% | 84.3% |
1,341 peers · $100 million – $1 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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Serve Credit UnionCredit union Des Moines, IA | 84 out of 100, Strong | $101.3M | 18.1% | 0.81% | vs |
| Midland Credit UnionCredit union Urbandale, IA | 75 out of 100, Strong | $101.2M | 11.8% | 0.60% | vs |
| River Valley Credit UnionCredit union Ames, IA | 70 out of 100, Strong | $119.3M | 11.4% | 1.05% | vs |
| North Iowa Community Credit UnionCredit union Mason City, IA | 60 out of 100, Moderate | $127.8M | 9.8% | 1.00% | vs |
| North Star Community Credit UnionCredit union Cherokee, IA | 58 out of 100, Moderate | $149.4M | 9.8% | 0.54% | vs |
| Affinity Credit UnionCredit union Des Moines, IA | 74 out of 100, Strong | $154.3M | 12.2% | 0.35% | vs |
Deposit insurance
Is my money safe at Advantage Credit Union?
Yes. Advantage Credit Union is a federally insured credit union (NCUA charter #64030). 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 2.6% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 15.31%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Advantage Credit Union lists 1 office in 1 city. Most locations:
- Newton, IA (1)
Identity & history
Profile
- Legal name
- Advantage Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64030
- RSSD ID
- 548696
- Primary regulator
- State + NCUA
- Established
- 1937
- Headquarters
- 121 W 3rd St N, PO Box 822, Newton, IA 50208
- Employees
- 25
Quick answers
Advantage Credit Union: common questions
Is Advantage Credit Union NCUA insured?
Yes. Advantage Credit Union is a federally insured credit union (NCUA charter #64030). 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 Advantage Credit Union's TellerScore?
70 out of 100 (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 Advantage Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Newton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Lynnville, IA | 75 out of 100, Strong | $384.2M | 9.8% | 0.21% | vs |
| Leighton State BankBank Pella, IA | 74 out of 100, Strong | $298.2M | 11.0% | 0.79% | vs |
| Citizens Savings BankBank Marshalltown, IA | 74 out of 100, Strong | $77.9M | 9.9% | 0.00% | vs |
| Great Southern BankBank Reeds Spring, MO | 73 out of 100, Strong | $5.5B | 11.3% | 0.02% | vs |
| Exchange State BankBank Ames, IA | 71 out of 100, Strong | $146.0M | 11.2% | 1.00% | vs |
| FNNB BankBank Newton, IA | 70 out of 100, Strong | $109.5M | 9.7% | 0.55% | vs |