TellerScore

Adventure Credit Union is a federally insured state-chartered credit union headquartered in Grand Rapids, Michigan, in business for about 90 years. At the end of Q2 2026 it reported $645.9M in total assets and $564.1M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Adventure Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 120th. Its strongest component is problem-loan coverage (91/100; 4.6%), and its lowest is earnings (35/100; 0.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.49%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.73%
Earnings35/100
Return on assets (annualized): 0.37%
Funding & liquidity80/100
Loans ÷ shares: 80.2% · 2.3% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.58%

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 2 points (65 → 67), mostly because the earnings component improved by 24 points.

TellerScore
647076Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202476
Q4 202475
Q1 202564
Q2 202565
Q3 202566
Q4 202565
Q1 202666
Q2 202667
Net worth ratio
7.00%10.73%14.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.13%
Q3 202414.47%
Q4 202414.21%
Q1 202511.89%
Q2 202512.00%
Q3 202511.52%
Q4 202511.61%
Q1 202611.41%
Q2 202611.49%
Delinquent loans (60+ days)
0.50%0.70%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.66%
Q3 20240.70%
Q4 20240.82%
Q1 20250.50%
Q2 20250.63%
Q3 20250.68%
Q4 20250.90%
Q1 20260.61%
Q2 20260.73%
Return on assets
-0.53%-0.04%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.40%
Q4 20240.44%
Q1 2025-0.53%
Q2 2025-0.22%
Q3 20250.28%
Q4 20250.35%
Q1 20260.13%
Q2 20260.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$645.9M11.49%0.73%0.37%80.2%
Q1 202666$642.0M11.41%0.61%0.13%79.7%
Q4 202565$629.0M11.61%0.90%0.35%79.8%
Q3 202566$627.6M11.52%0.68%0.28%78.5%
Q2 202565$641.5M12.00%0.63%-0.22%75.0%
Q1 202564$646.4M11.89%0.50%-0.53%73.6%
Q4 202475$447.7M14.21%0.82%0.44%79.2%
Q3 202476$436.1M14.47%0.70%0.40%79.6%
Q2 202476$443.4M14.13%0.66%0.39%77.7%

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 ratio11.49%
51st
Problem loans0.73%
47th
Net charge-offs0.71%
19th
Return on assets0.37%
22nd
Loans to deposits80.2%
40th
Uninsured deposits2.3%
88th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
44th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Security Credit UnionCredit union Grand Blanc, MI58 out of 100, Moderate$653.2M9.8%0.80%vs
American 1 Credit UnionCredit union Jackson, MI65 out of 100, Moderate$661.3M15.6%2.07%vs
Omni Community Credit UnionCredit union Battle Creek, MI90 out of 100, Very strong$662.0M16.3%0.75%vs
Embers Credit UnionCredit union Marquette, MI76 out of 100, Strong$621.8M12.1%0.64%vs
Sovita Credit UnionCredit union Flint, MI90 out of 100, Very strong$592.0M16.1%0.31%vs
Diversified Members Credit UnionCredit union Detroit, MI67 out of 100, Moderate$588.5M14.7%1.73%vs

Deposit insurance

Is my money safe at Adventure Credit Union?

Yes. Adventure Credit Union is a federally insured credit union (NCUA charter #60936). 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 2.3% of shares and deposits ($12.8M) 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 11.49%, 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

Adventure Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Adventure Credit Union reported 536 home-loan applications under HMDA (LEI 254900GP2576VSW7TS47): 415 originated ($53,465,000 total), 49 denied, and 70 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.5%, 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
Adventure Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60936
RSSD ID
140791
Primary regulator
State + NCUA
Established
1936
Headquarters
P.O. Box 895, Grand Rapids, MI 49518
Employees
166

Quick answers

Adventure Credit Union: common questions

Is Adventure Credit Union NCUA insured?

Yes. Adventure Credit Union is a federally insured credit union (NCUA charter #60936). 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 Adventure Credit Union's TellerScore?

67 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 Adventure Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Grand Rapids

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
Allegheny Central Federal Credit UnionCredit union Dunbar, PA95 out of 100, Very strong$8.2M20.8%0.18%vs
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
Preferred Credit UnionCredit union Grand Rapids, MI87 out of 100, Very strong$318.1M14.3%0.37%vs
Gr Consumers Credit UnionCredit union Wyoming, MI86 out of 100, Very strong$52.0M16.6%0.16%vs
Blue Water Federal Credit UnionCredit union Port Huron, MI86 out of 100, Very strong$20.4M14.4%0.23%vs