TellerScore

Headquartered in Brownstown, Michigan, Advantage One Credit Union is a federally insured state-chartered credit union with $268.1M in total assets and $237.1M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1952.

Based on its Q2 2026 filing, Advantage One Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 94th. Its strongest component is problem-loan coverage (88/100; 5.8%), and its lowest is earnings (66/100; 1.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.78%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.84%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity68/100
Loans ÷ shares: 92.0% · 2.9% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.81%

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 6 points (65 → 71), mostly because the loan quality component improved by 30 points.

TellerScore
596673Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202459
Q4 202462
Q1 202567
Q2 202565
Q3 202566
Q4 202570
Q1 202673
Q2 202671
Net worth ratio
7.00%9.39%11.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.59%
Q3 202410.16%
Q4 202410.55%
Q1 202511.03%
Q2 202511.28%
Q3 202511.73%
Q4 202511.77%
Q1 202611.62%
Q2 202611.78%
Delinquent loans (60+ days)
0.79%1.26%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.27%
Q3 20241.50%
Q4 20241.35%
Q1 20251.40%
Q2 20251.73%
Q3 20251.64%
Q4 20251.17%
Q1 20260.79%
Q2 20260.84%
Return on assets
1.00%1.30%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20241.06%
Q4 20241.08%
Q1 20251.57%
Q2 20251.61%
Q3 20251.54%
Q4 20251.47%
Q1 20261.31%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$268.1M11.78%0.84%1.16%92.0%
Q1 202673$266.0M11.62%0.79%1.31%88.6%
Q4 202570$256.9M11.77%1.17%1.47%91.3%
Q3 202566$250.3M11.73%1.64%1.54%90.4%
Q2 202565$252.7M11.28%1.73%1.61%87.3%
Q1 202567$249.0M11.03%1.40%1.57%87.3%
Q4 202462$253.0M10.55%1.35%1.08%89.7%
Q3 202459$256.1M10.16%1.50%1.06%88.7%
Q2 202460$263.6M9.59%1.27%1.00%83.3%

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).

Capital ratio11.78%
55th
Problem loans0.84%
40th
Net charge-offs0.87%
13th
Return on assets1.16%
75th
Loans to deposits92.0%
13th
Uninsured deposits2.9%
84th
Loan-loss reserves0.00%
50th
Texas ratio5.8%
33rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
St. Francis X Federal Credit UnionCredit union Petoskey, MI89 out of 100, Very strong$268.8M13.9%0.11%vs
North Central Area Credit UnionCredit union Houghton Lake, MI72 out of 100, Strong$271.7M11.6%0.95%vs
Filer Credit UnionCredit union Manistee, MI78 out of 100, Strong$262.4M12.8%0.84%vs
Gerber Federal Credit UnionCredit union Fremont, MI67 out of 100, Moderate$259.5M10.2%0.89%vs
Community West Credit UnionCredit union Kentwood, MI66 out of 100, Moderate$252.4M9.3%0.37%vs
Chief Financial Federal Credit UnionCredit union Rochester Hills, MI65 out of 100, Moderate$249.7M9.9%0.57%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 #68679). 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 2.9% of shares and deposits ($6.8M) 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 11.78%, 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 One Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Advantage One Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68679
RSSD ID
631682
Primary regulator
State + NCUA
Established
1952
Headquarters
23670 Telegraph Rd, Brownstown, MI 48134
Employees
59

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 #68679). 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?

71 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?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Brownstown

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
Zeal Credit UnionCredit union Livonia, MI83 out of 100, Strong$1.1B19.8%1.50%vs