TellerScore

Members' Advantage Credit Union is a federally insured state-chartered credit union headquartered in Wisconsin Rapid, Wisconsin, in business for about 91 years. At the end of Q2 2026 it reported $185.2M in total assets and $147.0M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Members' Advantage Credit Union scores 93/100, which we describe as very strong. That is higher than 97% of 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 3rd. Its strongest component is capital cushion (100/100; 19.23%), and its lowest is funding & liquidity (76/100; 84% loans-to-deposits, 6% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.23%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings93/100
Return on assets (annualized): 1.82%
Funding & liquidity76/100
Loans ÷ shares: 84.1% · 6.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.82%

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 (91 → 93), mostly because the earnings component improved by 15 points.

TellerScore
869093Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202487
Q4 202488
Q1 202590
Q2 202591
Q3 202592
Q4 202593
Q1 202693
Q2 202693
Net worth ratio
7.00%13.11%19.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.43%
Q3 202417.13%
Q4 202416.96%
Q1 202517.23%
Q2 202517.48%
Q3 202518.26%
Q4 202518.47%
Q1 202618.91%
Q2 202619.23%
Delinquent loans (60+ days)
0.13%0.24%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.34%
Q4 20240.36%
Q1 20250.21%
Q2 20250.15%
Q3 20250.13%
Q4 20250.17%
Q1 20260.14%
Q2 20260.21%
Return on assets
1.01%1.42%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.17%
Q4 20241.25%
Q1 20251.33%
Q2 20251.44%
Q3 20251.59%
Q4 20251.66%
Q1 20261.69%
Q2 20261.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$185.2M19.23%0.21%1.82%84.1%
Q1 202693$183.5M18.91%0.14%1.69%82.2%
Q4 202593$183.6M18.47%0.17%1.66%82.0%
Q3 202592$180.9M18.26%0.13%1.59%83.2%
Q2 202591$184.2M17.48%0.15%1.44%79.9%
Q1 202590$182.7M17.23%0.21%1.33%81.4%
Q4 202488$182.0M16.96%0.36%1.25%81.4%
Q3 202487$176.0M17.13%0.34%1.17%84.9%
Q2 202486$179.6M16.43%0.27%1.01%84.0%

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 ratio19.23%
96th
Problem loans0.21%
89th
Net charge-offs0.21%
69th
Return on assets1.82%
95th
Loans to deposits84.1%
30th
Uninsured deposits6.4%
46th
Loan-loss reserves0.00%
50th
Texas ratio0.8%
91st

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Ripco Credit UnionCredit union Rhinelander, WI62 out of 100, Moderate$188.8M10.0%0.90%vs
N.E.W. Credit UnionCredit union Oconto Falls, WI77 out of 100, Strong$178.2M11.1%0.36%vs
Winnebago Community Credit UnionCredit union Oshkosh, WI85 out of 100, Very strong$176.1M13.8%0.13%vs
Sentry Credit UnionCredit union Stevens Point, WI76 out of 100, Strong$172.5M12.4%0.44%vs
Prime Financial Credit UnionCredit union Cudahy, WI55 out of 100, Moderate$161.3M10.1%1.50%vs
Shoreline Credit UnionCredit union Two Rivers, WI66 out of 100, Moderate$160.0M10.1%0.38%vs

Deposit insurance

Is my money safe at Members' Advantage Credit Union?

Yes. Members' Advantage Credit Union is a federally insured credit union (NCUA charter #66633). 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 6.4% of shares and deposits ($9.3M) 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 19.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Members' Advantage Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members' Advantage Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66633
RSSD ID
993698
Primary regulator
State + NCUA
Established
1935
Headquarters
PO Box 1208, Wisconsin Rapid, WI 54495
Employees
33

Quick answers

Members' Advantage Credit Union: common questions

Is Members' Advantage Credit Union NCUA insured?

Yes. Members' Advantage Credit Union is a federally insured credit union (NCUA charter #66633). 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 Members' Advantage Credit Union's TellerScore?

93 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 Members' Advantage Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Wisconsin Rapid

InstitutionScoreAssetsCapitalProblem loansCompare
Nekoosa Port Edwards State BankBank Nekoosa, WI93 out of 100, Very strong$286.5M15.1%0.00%vs
Valley Communities Credit UnionCredit union Mosinee, WI83 out of 100, Strong$306.9M13.0%0.28%vs
The Portage County BankBank Almond, WI83 out of 100, Strong$210.1M12.7%0.10%vs
The Pineries BankBank Stevens Point, WI83 out of 100, Strong$149.1M11.3%0.00%vs
Central Wisconsin Credit UnionCredit union Plover, WI80 out of 100, Strong$56.3M10.8%0.73%vs
Paper City Savings Bank, S.A.Bank Wisconsin Rapids, WI79 out of 100, Strong$208.3M16.1%0.68%vs