ADVANTAGE ONE
Charter #68679 · Brownstown, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.34% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.04% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.06% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 68.21% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 39th — a 30-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 ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $266.01M | 67th pct | 49th pct |
| Members | 17,805 | 69th pct | 39th pct |
| Net worth ratio | 11.62% | 52th pct | 56th pct |
| Return on average assets | 1.34% | 84th pct | 85th pct |
| Net interest margin | 5.04% | 98th pct | 90th pct |
| Cost of funds | 1.22% | 51th pct | 52th pct |
| Loan-to-share | 88.58% | 87th pct | 80th pct |
| Delinquency 60+ days | 0.79% | 65th pct | 59th pct |
| Net charge-off ratio | 1.06% | 90th pct | 82th pct |
| Loan growth YoY | 4.15% | 82th pct | 74th pct |
| Share growth YoY | 6.30% | 83th pct | 75th pct |
| Efficiency ratio | 68.21% | 21th pct | 8th pct |
structural peer set hash: c5afdd129b3f37ae5ed18680aaa904e4… (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.