Charter 20007 · Saginaw, MI
Health Advantage Federal Credit Union
Health Advantage Federal Credit Union is a federally chartered credit union in Saginaw, Michigan, with $179 million in assets and 10,711 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.40%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $179 million
- +3.8% in a year
- Members
- 10,711
- -4.7% in a year
- Net worth ratio
- 13.40%
- Peer median 11.65%
- Loans 60+ days late
- 0.33%
- Peer median 0.70%
- Loans outstanding
- $113 million
- +5.1% in a year
- Shares and deposits
- $156 million
- +3.1% in a year
- Branches
- 3
- 34 employees
- Opened
- 1970
- Federal charter
How Health Advantage Federal Credit Union compares
NCUA groups credit unions by size; Health Advantage Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.40% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.33%, is lower than the group median of 0.70%. Loans grew 5.1% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 87 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $179 million | 10,711 | $113 million | 13.40% | 0.33% |
| Q1 2026 | $179 million | 10,639 | $109 million | 13.14% | 0.37% |
| Q4 2025 | $176 million | 10,746 | $108 million | 13.18% | 0.41% |
| Q3 2025 | $174 million | 10,839 | $107 million | 13.10% | 0.64% |
| Q2 2025 | $173 million | 11,237 | $108 million | 13.10% | 0.49% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 415,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Health Advantage Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- STATE ST OFFICE (main office)
4550 State St, Saginaw, MI 48603 - MICHIGAN OFFICE
1430 N Michigan Ave, Saginaw, MI 48602 - Midland Office
5004 Eastman Ave, Midland, MI 48640
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology