HEALTH ADVANTAGE
Federal • Saginaw, Michigan • Est. 1970
Quick Facts
- Charter Number
- #20007
- Type
- Federal
- Established
- 1970
- Headquarters
- Saginaw, Michigan 48603
- Address
- 4550 STATE ST
- Branches
- 3
- ATMs
- 3
- Members
- 10,639
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
10,639 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HEALTH ADVANTAGE |
|---|---|
| Total Assets | $179.4M |
| Members | 10,639 |
| Loans Outstanding | $109.5M |
| Shares & Deposits | $156.1M |
| Net Worth | $23.6M |
| Net Worth Ratio | 13.14% |
| Loan-to-Share Ratio | 70.1% |
| Delinquency Rate | 0.37% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
HEALTH ADVANTAGE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, HEALTH ADVANTAGE has 10,639 members and a potential membership field of 415,000 people.
HEALTH ADVANTAGE's reported net worth ratio is 13.14% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or HEALTH ADVANTAGE. All financial data is for informational purposes only.