TellerScore

Headquartered in Rochester, New York, Advantage Federal Credit Union is a federal credit union with $497.5M in total assets and $368.9M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1975.

Based on its Q2 2026 filing, Advantage Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 179th. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is earnings (47/100; 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.07%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.55%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity63/100
Loans ÷ shares: 97.3% · 8.3% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.05%

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 (63 → 64).

TellerScore
626465Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202465
Q1 202563
Q2 202563
Q3 202563
Q4 202564
Q1 202665
Q2 202664
Net worth ratio
7.00%8.61%10.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.03%
Q3 20249.33%
Q4 20249.52%
Q1 20259.73%
Q2 20259.89%
Q3 20259.78%
Q4 20259.88%
Q1 202610.22%
Q2 202610.07%
Delinquent loans (60+ days)
0.23%0.39%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.33%
Q4 20240.25%
Q1 20250.35%
Q2 20250.47%
Q3 20250.42%
Q4 20250.50%
Q1 20260.48%
Q2 20260.55%
Return on assets
0.44%0.55%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.51%
Q4 20240.62%
Q1 20250.48%
Q2 20250.59%
Q3 20250.56%
Q4 20250.66%
Q1 20260.64%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$497.5M10.07%0.55%0.67%97.3%
Q1 202665$481.7M10.22%0.48%0.64%94.1%
Q4 202564$490.5M9.88%0.50%0.66%96.0%
Q3 202563$485.9M9.78%0.42%0.56%97.9%
Q2 202563$474.0M9.89%0.47%0.59%95.4%
Q1 202563$473.5M9.73%0.35%0.48%95.0%
Q4 202465$477.9M9.52%0.25%0.62%95.9%
Q3 202463$479.5M9.33%0.33%0.51%94.8%
Q2 202462$487.0M9.03%0.23%0.44%92.1%

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).

Capital ratio10.07%
30th
Problem loans0.55%
60th
Net charge-offs0.62%
25th
Return on assets0.67%
44th
Loans to deposits97.3%
5th
Uninsured deposits8.3%
27th
Loan-loss reserves0.00%
50th
Texas ratio4.1%
51st

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Deposit insurance

Is my money safe at Advantage Federal Credit Union?

Yes. Advantage Federal Credit Union is a federally insured credit union (NCUA charter #24181). 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 8.3% of shares and deposits ($30.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.07%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Advantage Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Advantage Federal Credit Union reported 784 home-loan applications under HMDA (LEI 254900YY8IQK41QDLZ95): 421 originated ($48,345,000 total), 280 denied, and 82 withdrawn or closed by the applicant. Its denial rate on decided applications was 39.9%, 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
Advantage Federal Credit Union
Type
Federal credit union
NCUA charter #
24181
RSSD ID
690399
Primary regulator
NCUA
Established
1975
Headquarters
70 Metro Park, Rochester, NY 14623
Employees
109

Quick answers

Advantage Federal Credit Union: common questions

Is Advantage Federal Credit Union NCUA insured?

Yes. Advantage Federal Credit Union is a federally insured credit union (NCUA charter #24181). 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 Federal Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rochester

InstitutionScoreAssetsCapitalProblem loansCompare
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Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
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Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs