Advantage One

Morrison, IL · 2 · Charter #68343 · www.adonecu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$24.8M
70th percentile
Members
2,379
75th percentile
Total loans
$14.6M
78th percentile
Total shares
$22.0M
72th percentile

Profitability

Return on assets
1.07%
63th percentile
Net interest margin
4.02%
52th percentile
Efficiency ratio
66.94%
49th percentile
Non-interest income ratio
6.91%
41th percentile

Capital & Risk

Net worth ratio
10.97%
23th percentile
Delinquency rate
0.79%
48th percentile
Net charge-off rate
0.37%
40th percentile
Loan-to-share
66.36%
58th percentile

Growth

Member growth YoY
-2.22%
41th percentile
Asset growth YoY
8.35%
88th percentile
Loan growth YoY
-4.05%
45th percentile
Share growth YoY
8.04%
87th percentile

Operations

Members / branch
2,379
85th percentile
Assets / member
$10,440
60th percentile
Field of membership penetration
0.68%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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