ADVANTAGE
Federal • Rochester, New York • Est. 1975
Quick Facts
- Charter Number
- #24181
- Type
- Federal
- Established
- 1975
- Headquarters
- Rochester, New York 14623
- Address
- 70 Metro Park
- Branches
- 8
- ATMs
- 6
- Members
- 34,565
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
34,565 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ADVANTAGE |
|---|---|
| Total Assets | $490.5M |
| Members | 34,565 |
| Loans Outstanding | $350.6M |
| Shares & Deposits | $365.4M |
| Net Worth | $48.4M |
| Net Worth Ratio | 9.88% |
| Loan-to-Share Ratio | 96.0% |
| Delinquency Rate | 0.50% |
| Net Income | +$5,378,717 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
8 locations · 6 ATMs
Broad Street
225 W Broad St
Rochester, NY 14608
Gates
1975 Buffalo Rd
Rochester, NY 14624
Metro Park
Main Office70 Metro Park
Rochester, NY 14623
Mt Hope
1625 Mount Hope Ave
Rochester, NY 14620
Rochester General Hospital
1445 Portland Ave
Rochester, NY 14621
Who Can Join ADVANTAGE?
Membership Type: Community
Membership eligibility for ADVANTAGE may vary. Contact the credit union directly to confirm qualification requirements.
Contact ADVANTAGE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. ADVANTAGE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ADVANTAGE has 34,565 members and a potential membership field of 980,000 people.
ADVANTAGE's net worth ratio is 9.88% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.9%, ADVANTAGE meets this threshold.
ADVANTAGE operates 8 branch locations and has access to 6 ATMs. The main office is located at 70 Metro Park, Rochester, NY 14623.
ADVANTAGE was established in 1975. It is a federal credit union chartered under charter number 24181. The institution has been serving members for 51 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ADVANTAGE. All financial data is for informational purposes only.