HEALTH ADVANTAGE
Federal • SAGINAW, Michigan • Est. 1970
Quick Facts
- Charter Number
- #20007
- Type
- Federal
- Established
- 1970
- Headquarters
- SAGINAW, Michigan 48608
- Address
- PO BOX 6160
- Branches
- 3
- ATMs
- 3
- Members
- 10,746
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
10,746 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HEALTH ADVANTAGE |
|---|---|
| Total Assets | $176.1M |
| Members | 10,746 |
| Loans Outstanding | $108.3M |
| Shares & Deposits | $152.9M |
| Net Worth | $23.2M |
| Net Worth Ratio | 13.18% |
| Loan-to-Share Ratio | 70.8% |
| Delinquency Rate | 0.41% |
| Net Income | +$1,801,313 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 3 ATMs
STATE ST OFFICE
Main Office4550 STATE ST
SAGINAW, MI 48603
MICHIGAN OFFICE
1430 N MICHIGAN Ave
SAGINAW, MI 48602-4734
Midland Office
5004 Eastman Ave
Midland, MI 48640
Who Can Join HEALTH ADVANTAGE?
Membership Type: Community
Membership eligibility for HEALTH ADVANTAGE may vary. Contact the credit union directly to confirm qualification requirements.
Contact HEALTH ADVANTAGE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. HEALTH 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, HEALTH ADVANTAGE has 10,746 members and a potential membership field of 415,000 people.
HEALTH ADVANTAGE's net worth ratio is 13.18% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.2%, HEALTH ADVANTAGE meets this threshold.
HEALTH ADVANTAGE operates 3 branch locations and has access to 3 ATMs. The main office is located at 4550 STATE ST, SAGINAW, MI 48603.
HEALTH ADVANTAGE was established in 1970. It is a federal credit union chartered under charter number 20007. The institution has been serving members for 56 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HEALTH ADVANTAGE. All financial data is for informational purposes only.