TellerScore

Advantage Financial Federal Credit Union is a federal credit union headquartered in Washington, District of Columbia, in business for about 62 years. At the end of Q2 2026 it reported $103.1M in total assets and $92.1M in member shares and deposits, with 6 offices across 3 states.

Based on its Q2 2026 filing, Advantage Financial Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 14% of 1,341 credit unions with $100 million – $1 billion. Among 28 credit unions headquartered in District of Columbia, it ranks 18th. Its strongest component is funding & liquidity (100/100; 60% loans-to-deposits, 8% uninsured), and its lowest is earnings (11/100; -0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.10%
Loan quality39/100
Loans 60+ days delinquent ÷ total loans: 1.84%
Earnings11/100
Return on assets (annualized): -0.23%
Funding & liquidity100/100
Loans ÷ shares: 60.0% · 7.7% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.13%

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 fell 4 points (61 → 57), mostly because the earnings component weakened by 17 points.

TellerScore
576063Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202463
Q4 202461
Q1 202560
Q2 202561
Q3 202562
Q4 202560
Q1 202657
Q2 202657
Net worth ratio
7.00%9.55%12.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.53%
Q3 202411.50%
Q4 202411.74%
Q1 202511.40%
Q2 202511.61%
Q3 202511.95%
Q4 202511.92%
Q1 202611.85%
Q2 202612.10%
Delinquent loans (60+ days)
1.40%1.62%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.63%
Q3 20241.40%
Q4 20241.57%
Q1 20251.49%
Q2 20251.58%
Q3 20251.63%
Q4 20251.77%
Q1 20261.54%
Q2 20261.84%
Return on assets
-0.48%0.02%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.52%
Q3 20240.34%
Q4 20240.21%
Q1 20250.08%
Q2 20250.20%
Q3 20250.23%
Q4 20250.18%
Q1 2026-0.48%
Q2 2026-0.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$103.1M12.10%1.84%-0.23%60.0%
Q1 202657$105.1M11.85%1.54%-0.48%60.9%
Q4 202560$105.6M11.92%1.77%0.18%61.2%
Q3 202562$105.4M11.95%1.63%0.23%61.8%
Q2 202561$107.8M11.61%1.58%0.20%60.7%
Q1 202560$109.1M11.40%1.49%0.08%60.9%
Q4 202461$105.7M11.74%1.57%0.21%63.9%
Q3 202463$108.5M11.50%1.40%0.34%63.2%
Q2 202462$108.2M11.53%1.63%0.52%62.4%

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 ratio12.10%
59th
Problem loans1.84%
8th
Net charge-offs0.38%
47th
Return on assets-0.23%
2nd
Loans to deposits60.0%
78th
Uninsured deposits7.7%
32nd
Loan-loss reserves0.00%
50th
Texas ratio8.1%
20th

Similar-size credit unions in District of Columbia

InstitutionScoreAssetsCapitalProblem loansCompare
F R B Federal Credit UnionCredit union Washington, DC53 out of 100, Below average$123.4M9.4%1.41%vs
Dept of Labor Federal Credit UnionCredit union Washington, DC48 out of 100, Below average$137.6M7.8%0.59%vs
Treasury Department Federal Credit UnionCredit union Washington, DC53 out of 100, Below average$176.7M10.3%1.86%vs
Department of the Interior Federal Credit UnionCredit union Washington, DC51 out of 100, Below average$268.0M7.5%1.09%vs
O.A.S. Staff Federal Credit UnionCredit union Washington, DC37 out of 100, Low$282.4M7.6%2.58%vs
Library of Congress Federal Credit UnionCredit union Washington, DC84 out of 100, Strong$338.2M16.6%0.53%vs

Deposit insurance

Is my money safe at Advantage Financial Federal Credit Union?

Yes. Advantage Financial Federal Credit Union is a federally insured credit union (NCUA charter #16416). 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 7.7% of shares and deposits ($7.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Advantage Financial Federal Credit Union lists 6 offices in 4 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Advantage Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
16416
RSSD ID
880480
Primary regulator
NCUA
Established
1964
Headquarters
PO Box 50480, Washington, DC 20091
Employees
26

Quick answers

Advantage Financial Federal Credit Union: common questions

Is Advantage Financial Federal Credit Union NCUA insured?

Yes. Advantage Financial Federal Credit Union is a federally insured credit union (NCUA charter #16416). 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 Financial Federal Credit Union's TellerScore?

57 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 Financial Federal Credit Union have?

6 offices as of the latest NCUA data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA100 out of 100, Very strong$370K17.4%0.00%vs
Angelina County Teachers Credit UnionCredit union Lufkin, TX100 out of 100, Very strong$12.9M18.4%0.04%vs
None Suffer Lack Federal Credit UnionCredit union Suitland, MD99 out of 100, Very strong$27.9M20.1%0.12%vs
Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL99 out of 100, Very strong$2.2M23.1%0.08%vs
Lee Federal Credit UnionCredit union Washington, DC99 out of 100, Very strong$5.5M50.7%0.00%vs
Christiansted Federal Credit UnionCredit union Christiansted, VI98 out of 100, Very strong$34.0M20.6%0.23%vs