TellerScore

Advanz Federal Credit Union (NCUA charter #19853) is based in Louisville, Kentucky. Its Q2 2026 call report shows $161.6M in total assets and $135.5M in member shares and deposits and 5 offices across 2 states.

Based on its Q2 2026 filing, Advanz Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 87% of 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Kentucky, it ranks 9th. Its strongest component is capital cushion (100/100; 15.63%), and its lowest is earnings (51/100; 0.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.63%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity100/100
Loans ÷ shares: 51.5% · 4.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.48%

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 6 points (91 → 85), mostly because the earnings component weakened by 29 points.

TellerScore
858891Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202487
Q4 202486
Q1 202586
Q2 202591
Q3 202589
Q4 202591
Q1 202688
Q2 202685
Net worth ratio
7.00%11.50%15.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.23%
Q3 202414.42%
Q4 202414.79%
Q1 202514.78%
Q2 202515.32%
Q3 202515.61%
Q4 202515.99%
Q1 202615.73%
Q2 202615.63%
Delinquent loans (60+ days)
0.32%0.49%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.44%
Q3 20240.38%
Q4 20240.66%
Q1 20250.34%
Q2 20250.54%
Q3 20250.56%
Q4 20250.44%
Q1 20260.32%
Q2 20260.54%
Return on assets
0.76%1.12%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.09%
Q4 20241.02%
Q1 20250.76%
Q2 20251.49%
Q3 20251.27%
Q4 20251.32%
Q1 20260.91%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$161.6M15.63%0.54%0.78%51.5%
Q1 202688$158.9M15.73%0.32%0.91%52.4%
Q4 202591$154.0M15.99%0.44%1.32%55.0%
Q3 202589$154.1M15.61%0.56%1.27%54.0%
Q2 202591$155.0M15.32%0.54%1.49%51.4%
Q1 202586$154.8M14.78%0.34%0.76%51.7%
Q4 202486$152.7M14.79%0.66%1.02%53.8%
Q3 202487$154.6M14.42%0.38%1.09%53.5%
Q2 202486$153.7M14.23%0.44%1.10%54.2%

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 ratio15.63%
88th
Problem loans0.54%
61st
Net charge-offs0.30%
57th
Return on assets0.78%
53rd
Loans to deposits51.5%
89th
Uninsured deposits4.0%
72nd
Loan-loss reserves0.00%
50th
Texas ratio1.5%
82nd

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
The Health & Education Federal Credit UnionCredit union Lexington, KY97 out of 100, Very strong$125.8M17.7%0.23%vs
Expree Credit UnionCredit union Frankfort, KY66 out of 100, Moderate$119.1M10.9%0.77%vs
Autotruck Financial Credit UnionCredit union Louisville, KY72 out of 100, Strong$220.4M13.1%1.22%vs
Service One Credit UnionCredit union Bowling Green, KY53 out of 100, Below average$269.1M9.5%1.40%vs
Class Act Federal Credit UnionCredit union Louisville, KY71 out of 100, Strong$365.0M10.8%0.62%vs
C-Plant Federal Credit UnionCredit union Paducah, KY92 out of 100, Very strong$365.9M14.7%0.16%vs

Deposit insurance

Is my money safe at Advanz Federal Credit Union?

Yes. Advanz Federal Credit Union is a federally insured credit union (NCUA charter #19853). 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 4.0% of shares and deposits ($5.4M) 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 15.63%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Advanz Federal Credit Union lists 5 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Advanz Federal Credit Union reported 57 home-loan applications under HMDA (LEI 5493007ZG5EVEXW01J70): 43 originated ($3,895,000 total), 4 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.3%, 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
Advanz Federal Credit Union
Type
Federal credit union
NCUA charter #
19853
RSSD ID
505989
Primary regulator
NCUA
Established
1969
Headquarters
P.O. Box 22289, Louisville, KY 40252
Employees
41

Quick answers

Advanz Federal Credit Union: common questions

Is Advanz Federal Credit Union NCUA insured?

Yes. Advanz Federal Credit Union is a federally insured credit union (NCUA charter #19853). 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 Advanz Federal Credit Union's TellerScore?

85 out of 100 (Very 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 Advanz Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Louisville

InstitutionScoreAssetsCapitalProblem loansCompare
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
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Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY82 out of 100, Strong$50.4M15.5%0.87%vs
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