Share Advantage Credit Union is a federally insured state-chartered credit union headquartered in Duluth, Minnesota, in business for about 100 years. At the end of Q2 2026 it reported $57.5M in total assets and $49.2M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Share Advantage Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 71st. Its strongest component is capital cushion (84/100; 13.43%), and its lowest is loan quality (8/100; 2.77%).
TellerScore · Q2 2026
Scorecard
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 (65 → 58), mostly because the loan quality component weakened by 51 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 63 |
| Q4 2024 | 74 |
| Q1 2025 | 66 |
| Q2 2025 | 65 |
| Q3 2025 | 68 |
| Q4 2025 | 74 |
| Q1 2026 | 65 |
| Q2 2026 | 58 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.13% |
| Q3 2024 | 11.34% |
| Q4 2024 | 11.88% |
| Q1 2025 | 12.17% |
| Q2 2025 | 12.97% |
| Q3 2025 | 12.90% |
| Q4 2025 | 13.26% |
| Q1 2026 | 12.99% |
| Q2 2026 | 13.43% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 1.22% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.36% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.83% |
| Q4 2025 | 1.31% |
| Q1 2026 | 1.87% |
| Q2 2026 | 2.77% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.97% |
| Q1 2025 | -0.76% |
| Q2 2025 | 0.22% |
| Q3 2025 | 1.25% |
| Q4 2025 | 1.27% |
| Q1 2026 | 0.86% |
| Q2 2026 | 0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $57.5M | 13.43% | 2.77% | 0.84% | 76.4% |
| Q1 2026 | 65 | $58.5M | 12.99% | 1.87% | 0.86% | 73.9% |
| Q4 2025 | 74 | $56.4M | 13.26% | 1.31% | 1.27% | 77.9% |
| Q3 2025 | 68 | $56.0M | 12.90% | 1.83% | 1.25% | 77.9% |
| Q2 2025 | 65 | $54.7M | 12.97% | 1.22% | 0.22% | 79.1% |
| Q1 2025 | 66 | $57.1M | 12.17% | 0.36% | -0.76% | 75.8% |
| Q4 2024 | 74 | $56.4M | 11.88% | 0.59% | 0.97% | 76.8% |
| Q3 2024 | 63 | $57.3M | 11.34% | 1.22% | 0.48% | 73.2% |
| Q2 2024 | 73 | $56.6M | 11.13% | 0.61% | 1.04% | 73.0% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pipefitters-Steamfitters Credit UnionCredit union Woodbury, MN | 83 out of 100, Strong | $51.6M | 13.4% | 1.07% | vs |
| North Memorial Federal Credit UnionCredit union Robbinsdale, MN | 75 out of 100, Strong | $50.7M | 11.8% | 0.68% | vs |
| United Employees Credit UnionCredit union Albert Lea, MN | 87 out of 100, Very strong | $66.4M | 14.2% | 0.80% | vs |
| Embarrass Vermillion Federal Credit UnionCredit union Aurora, MN | 80 out of 100, Strong | $66.7M | 14.2% | 0.95% | vs |
| Federated Employees Credit UnionCredit union Owatonna, MN | 82 out of 100, Strong | $66.7M | 13.2% | 0.19% | vs |
| Virginia Coop Credit UnionCredit union Virginia, MN | 78 out of 100, Strong | $45.7M | 11.6% | 0.86% | vs |
Deposit insurance
Is my money safe at Share Advantage Credit Union?
Yes. Share Advantage Credit Union is a federally insured credit union (NCUA charter #60242). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.43%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Share Advantage Credit Union lists 2 offices in 1 city. Most locations:
- Duluth, MN (2)
Identity & history
Profile
- Legal name
- Share Advantage Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60242
- RSSD ID
- 385592
- Primary regulator
- State + NCUA
- Established
- 1926
- Headquarters
- 2502 Maple Grove Rd, Duluth, MN 55811
- Employees
- 13
Quick answers
Share Advantage Credit Union: common questions
Is Share Advantage Credit Union NCUA insured?
Yes. Share Advantage Credit Union is a federally insured credit union (NCUA charter #60242). 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 Share Advantage Credit Union's TellerScore?
58 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 Share Advantage Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Duluth
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Duluth Police Department Employees Credit UnionCredit union Duluth, MN | 91 out of 100, Very strong | $7.8M | 22.8% | 0.41% | vs |
| Indianhead Credit UnionCredit union Spooner, WI | 86 out of 100, Very strong | $101.2M | 15.0% | 0.78% | vs |
| Centricity Credit UnionCredit union Hermantown, MN | 85 out of 100, Very strong | $340.5M | 14.0% | 0.79% | vs |
| Superior Municipal Employees Credit UnionCredit union Superior, WI | 79 out of 100, Strong | $3.0M | 16.5% | 0.00% | vs |
| North Shore Federal Credit UnionCredit union Silver Bay, MN | 74 out of 100, Strong | $284.8M | 12.8% | 0.33% | vs |
| Superior Savings BankBank Superior, WI | 74 out of 100, Strong | $98.8M | 16.3% | 1.15% | vs |