Saginaw, Michigan · Peer group 5
Health Advantage Credit Union
Health Advantage Credit Union holds $179.4M in assets across 10,639 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1970. Charter number 20007, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $179.4M |
|---|---|
| Total loans | $109.5M |
| Total shares (deposits) | $156.1M |
| Net worth | $23.6M |
| Members | 10,639 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.3% | |
|---|---|---|
| Loans | 1.1% | around the 41st percentile of its peer group |
| Deposits | 1.4% | around the 33rd percentile of its peer group |
| Members | -5.3% | lower than 90% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 70.1% | around the 47th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.1% | around the 70th percentile of its peer group |
| Return on assets | 0.80% | around the 58th percentile of its peer group |
| Delinquency ratio | 0.37% | around the 28th percentile of its peer group |
| Cash / assets | 5.8% | around the 17th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Health Advantage Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Safe Harbor Credit Union
Ludington, MI
$181.7M · 8,971 members
- H.P.C. Credit Union
ALPENA, MI
$171.0M · 7,590 members
- Polish-American Credit Union
Troy, MI
$188.2M · 7,404 members
- Harborlight Credit Union
WHITEHALL, MI
$169.3M · 11,537 members
- Journey Credit Union
SAINT JOHNS, MI
$189.6M · 17,238 members
- Family Financial Credit Union
Norton Shores, MI
$169.2M · 16,646 members
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