SHARE ADVANTAGE
State-Chartered • Duluth, Minnesota • Est. 1926
Quick Facts
- Charter Number
- #60242
- Type
- State-Chartered
- Established
- 1926
- Headquarters
- Duluth, Minnesota 55811-1864
- Address
- 2502 Maple Grove Rd
- Branches
- 3
- ATMs
- 2
- Members
- 3,455
- 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
3,455 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SHARE ADVANTAGE |
|---|---|
| Total Assets | $56.4M |
| Members | 3,455 |
| Loans Outstanding | $38.0M |
| Shares & Deposits | $48.7M |
| Net Worth | $7.5M |
| Net Worth Ratio | 13.26% |
| Loan-to-Share Ratio | 77.9% |
| Delinquency Rate | 1.31% |
| Net Income | +$779,027 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 2 ATMs
SMDC Branch
502 E 2nd St
Duluth, MN 55805-1913
Share Advantage Credit Union Main Office
Main Office2502 Maple Grove Rd
Duluth, MN 55811-1864
FISERV
2601 Network Blvd
Frisco, TX 75034
Who Can Join SHARE ADVANTAGE?
Membership Type: Community
Membership eligibility for SHARE ADVANTAGE may vary. Contact the credit union directly to confirm qualification requirements.
Contact SHARE ADVANTAGE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Minnesota RankingsFrequently Asked Questions
Yes. SHARE 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, SHARE ADVANTAGE has 3,455 members and a potential membership field of 21,453 people.
SHARE ADVANTAGE's net worth ratio is 13.26% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.3%, SHARE ADVANTAGE meets this threshold.
SHARE ADVANTAGE operates 3 branch locations and has access to 2 ATMs. The main office is located at 2502 Maple Grove Rd, Duluth, MN 55811-1864.
SHARE ADVANTAGE was established in 1926. It is a state-chartered credit union chartered under charter number 60242. The institution has been serving members for 100 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SHARE ADVANTAGE. All financial data is for informational purposes only.