TellerScore

Headquartered in Pocatello, Idaho, Advantage Plus Federal Credit Union is a federal credit union with $292.4M in total assets and $263.7M in member shares and deposits as of Q2 2026. It operates 7 offices across 2 states. Its charter dates back to 1953.

Based on its Q2 2026 filing, Advantage Plus 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 26 credit unions headquartered in Idaho, it ranks 12th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is earnings (39/100; 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.65%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity69/100
Loans ÷ shares: 91.6% · 4.7% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.49%

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 7 points (71 → 64), mostly because the earnings component weakened by 25 points.

TellerScore
646871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202467
Q1 202571
Q2 202571
Q3 202568
Q4 202565
Q1 202666
Q2 202664
Net worth ratio
7.00%8.59%10.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.36%
Q3 20249.73%
Q4 20249.76%
Q1 20259.79%
Q2 20259.92%
Q3 202510.18%
Q4 20259.81%
Q1 20269.65%
Q2 20269.65%
Delinquent loans (60+ days)
0.22%0.46%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.69%
Q4 20240.35%
Q1 20250.32%
Q2 20250.22%
Q3 20250.44%
Q4 20250.52%
Q1 20260.25%
Q2 20260.36%
Return on assets
0.47%0.86%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.98%
Q4 20240.78%
Q1 20251.26%
Q2 20251.09%
Q3 20251.02%
Q4 20250.74%
Q1 20260.57%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$292.4M9.65%0.36%0.47%91.6%
Q1 202666$289.5M9.65%0.25%0.57%90.6%
Q4 202565$280.6M9.81%0.52%0.74%91.6%
Q3 202568$270.9M10.18%0.44%1.02%93.4%
Q2 202571$272.1M9.92%0.22%1.09%90.7%
Q1 202571$269.4M9.79%0.32%1.26%88.6%
Q4 202467$261.6M9.76%0.35%0.78%89.9%
Q3 202465$261.7M9.73%0.69%0.98%88.0%
Q2 202466$264.1M9.36%0.52%0.89%85.7%

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 ratio9.65%
23rd
Problem loans0.36%
77th
Net charge-offs0.06%
90th
Return on assets0.47%
28th
Loans to deposits91.6%
13th
Uninsured deposits4.7%
64th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
56th

Similar-size credit unions in Idaho

InstitutionScoreAssetsCapitalProblem loansCompare
Cottonwood Community Federal Credit UnionCredit union Cottonwood, ID81 out of 100, Strong$285.5M14.9%1.39%vs
Lookout Federal Credit UnionCredit union Pocatello, ID49 out of 100, Below average$313.7M7.6%1.36%vs
Lewis Clark Credit UnionCredit union Lewiston, ID67 out of 100, Moderate$270.4M11.0%0.62%vs
Trugrocer Federal Credit UnionCredit union Boise, ID73 out of 100, Strong$320.1M16.0%0.81%vs
Connections Credit UnionCredit union Pocatello, ID50 out of 100, Below average$256.1M8.5%1.27%vs
Clarity Credit UnionCredit union Nampa, ID59 out of 100, Moderate$235.6M9.7%0.99%vs

Deposit insurance

Is my money safe at Advantage Plus Federal Credit Union?

Yes. Advantage Plus Federal Credit Union is a federally insured credit union (NCUA charter #8428). 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 4.7% of shares and deposits ($12.3M) 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 9.65%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Advantage Plus Federal Credit Union lists 7 offices in 6 cities across 2 states. Most locations:

  • Pocatello, ID (2)
  • Afton, WY (1)
  • American Falls, ID (1)
  • Chubbuck, ID (1)
  • Montpelier, ID (1)
  • Soda Springs, ID (1)

All branch addresses and map

Identity & history

Profile

Legal name
Advantage Plus Federal Credit Union
Type
Federal credit union
NCUA charter #
8428
RSSD ID
593687
Primary regulator
NCUA
Established
1953
Headquarters
PO Box 4610, Pocatello, ID 83205
Employees
95

Quick answers

Advantage Plus Federal Credit Union: common questions

Is Advantage Plus Federal Credit Union NCUA insured?

Yes. Advantage Plus Federal Credit Union is a federally insured credit union (NCUA charter #8428). 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 Plus 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 Plus Federal Credit Union have?

7 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Pocatello

InstitutionScoreAssetsCapitalProblem loansCompare
Simplot Credit UnionCredit union Pocatello, ID86 out of 100, Very strong$59.0M21.9%0.30%vs
The Bank of CommerceBank Ammon, ID78 out of 100, Strong$2.3B15.7%1.35%vs
Rails West Federal Credit UnionCredit union Pocatello, ID77 out of 100, Strong$80.6M11.2%0.26%vs
D. L. Evans BankBank Burley, ID76 out of 100, Strong$3.7B10.4%0.26%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Zions Bancorporation, N.A.Bank Salt Lake City, UT67 out of 100, Moderate$89.0B9.4%0.47%vs