Advantage One Credit Union (NCUA charter #68343) is based in Morrison, Illinois. Its Q2 2026 call report shows $23.5M in total assets and $20.6M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Advantage One Credit Union scores 76/100, which we describe as strong. That is higher than 54% of 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 93rd. Its strongest component is problem-loan coverage (98/100; 1.1%), and its lowest is earnings (45/100; 0.63%).
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 fell 3 points (79 → 76), mostly because the earnings component weakened by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 76 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 79 |
| Q3 2025 | 78 |
| Q4 2025 | 72 |
| Q1 2026 | 70 |
| Q2 2026 | 76 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.11% |
| Q3 2024 | 10.70% |
| Q4 2024 | 10.78% |
| Q1 2025 | 10.51% |
| Q2 2025 | 10.53% |
| Q3 2025 | 11.07% |
| Q4 2025 | 10.97% |
| Q1 2026 | 11.46% |
| Q2 2026 | 11.84% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.22% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.07% |
| Q1 2025 | 1.00% |
| Q2 2025 | 1.39% |
| Q3 2025 | 1.21% |
| Q4 2025 | 1.07% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $23.5M | 11.84% | 0.22% | 0.63% | 68.7% |
| Q1 2026 | 70 | $24.0M | 11.46% | 0.69% | 0.51% | 67.8% |
| Q4 2025 | 72 | $24.8M | 10.97% | 0.79% | 1.07% | 66.4% |
| Q3 2025 | 78 | $24.2M | 11.07% | 0.22% | 1.21% | 68.8% |
| Q2 2025 | 79 | $24.5M | 10.53% | 0.11% | 1.39% | 68.2% |
| Q1 2025 | 70 | $24.1M | 10.51% | 0.79% | 1.00% | 69.7% |
| Q4 2024 | 69 | $22.9M | 10.78% | 0.91% | 1.07% | 74.7% |
| Q3 2024 | 76 | $22.5M | 10.70% | 0.15% | 1.08% | 75.4% |
| Q2 2024 | 67 | $23.0M | 10.11% | 0.74% | 0.87% | 73.1% |
2,479 peers · Under $100 million in assets
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rockford Municipal Employees Credit UnionCredit union Rockford, IL | 76 out of 100, Strong | $23.6M | 15.2% | 0.41% | vs |
| Tee-Pak Credit UnionCredit union Danville, IL | 79 out of 100, Strong | $23.8M | 16.3% | 0.89% | vs |
| Western Illinois School Employees Credit UnionCredit union Quincy, IL | 83 out of 100, Strong | $24.0M | 16.1% | 0.17% | vs |
| Generations Credit UnionCredit union Rockford, IL | 91 out of 100, Very strong | $22.4M | 16.4% | 0.10% | vs |
| Chicago Firemans Assoc Credit UnionCredit union Chicago, IL | 86 out of 100, Very strong | $21.4M | 15.1% | 0.54% | vs |
| Harvard Community Credit UnionCredit union Harvard, IL | 51 out of 100, Below average | $21.1M | 6.5% | 0.03% | vs |
Deposit insurance
Is my money safe at Advantage One Credit Union?
Yes. Advantage One Credit Union is a federally insured credit union (NCUA charter #68343). 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 1.2% of shares and deposits ($239K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Advantage One Credit Union lists 1 office in 1 city. Most locations:
- Morrison, IL (1)
Identity & history
Profile
- Legal name
- Advantage One Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68343
- RSSD ID
- 310884
- Primary regulator
- State + NCUA
- Established
- 1960
- Headquarters
- 204 N Jackson St, Morrison, IL 61270
- Employees
- 7
Quick answers
Advantage One Credit Union: common questions
Is Advantage One Credit Union NCUA insured?
Yes. Advantage One Credit Union is a federally insured credit union (NCUA charter #68343). 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 One Credit Union's TellerScore?
76 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 One Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Morrison
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Select Employees Credit UnionCredit union Sterling, IL | 86 out of 100, Very strong | $78.6M | 12.6% | 0.26% | vs |
| First Central State BankBank Dewitt, IA | 83 out of 100, Strong | $772.4M | 13.4% | 0.21% | vs |
| Exchange State BankBank Lanark, IL | 83 out of 100, Strong | $112.7M | 11.5% | 0.05% | vs |
| 1st Gateway Credit UnionCredit union Camanche, IA | 80 out of 100, Strong | $170.9M | 14.1% | 0.35% | vs |
| The Clinton National BankBank Clinton, IA | 79 out of 100, Strong | $396.4M | 13.4% | 0.53% | vs |