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.

From Q2 2025 to Q2 2026, the score rose 3 points (79 → 82), mostly because the loan quality component improved by 5 points.

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 Michigan

Yes. Health Advantage Federal Credit Union is a federally insured credit union (NCUA charter #20007). 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 5.1% of shares and deposits ($8.0M) 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 13.40%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Health Advantage Federal Credit Union lists 3 offices in 2 cities. Most locations:

• Saginaw, MI (2)
• Midland, MI (1)

All branch addresses and map

In 2025, Health Advantage Federal Credit Union reported 77 home-loan applications under HMDA (LEI 549300MBSNDZDNPHNF53): 70 originated ($9,000,000 total), 2 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.8%, 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.

Legal name

Health Advantage Federal Credit Union

Type

Federal credit union

NCUA charter #

20007

RSSD ID

311984

Primary regulator

NCUA

Established

1970

Headquarters

Po Box 6160, Saginaw, MI 48608

Employees

34