Health Advantage

SAGINAW, MI · 1 · Charter #20007 · www.healthadvantagecu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$176.1M
82th percentile
Members
10,746
73th percentile
Total loans
$108.3M
80th percentile
Total shares
$152.9M
83th percentile

Profitability

Return on assets
1.02%
49th percentile
Net interest margin
3.49%
40th percentile
Efficiency ratio
62.07%
52th percentile
Non-interest income ratio
18.90%
59th percentile

Capital & Risk

Net worth ratio
13.19%
61th percentile
Delinquency rate
0.41%
72th percentile
Net charge-off rate
0.26%
57th percentile
Loan-to-share
70.83%
55th percentile

Growth

Member growth YoY
-4.34%
14th percentile
Asset growth YoY
3.78%
49th percentile
Loan growth YoY
1.49%
51th percentile
Share growth YoY
2.69%
43th percentile

Operations

Members / branch
3,582
60th percentile
Assets / member
$16,392
66th percentile
Field of membership penetration
2.59%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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