ADVANTAGE FINANCIAL
Charter #16416 · WASHINGTON, DC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.48% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.32% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.54% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 101.18% sits at the 95th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 52nd — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ADVANTAGE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $105.12M | 4th pct | 25th pct |
| Members | 9,041 | 25th pct | 44th pct |
| Net worth ratio | 11.85% | 55th pct | 67th pct |
| Return on average assets | -0.48% | 3th pct | 5th pct |
| Net interest margin | 3.86% | 64th pct | 67th pct |
| Cost of funds | 0.32% | 13th pct | 7th pct |
| Loan-to-share | 60.86% | 29th pct | 52th pct |
| Delinquency 60+ days | 1.54% | 90th pct | 84th pct |
| Net charge-off ratio | 0.25% | 37th pct | 36th pct |
| Loan growth YoY | -1.72% | 27th pct | 30th pct |
| Share growth YoY | -0.24% | 8th pct | 18th pct |
| Efficiency ratio | 101.18% | 97th pct | 95th pct |
structural peer set hash: 12fb9deafd097e53f9364cd3a5d888e5… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.