Sep, 30, 2025 — ADVANTAGE CREDIT UNION is a federally insured state chartered credit union headquartered in ONTARIO, OH with 1 branch location and about $41.86 million in total assets. Opened 65 years ago in 1961, ADVANTAGE CREDIT UNION has about 3,687 members and employs 13 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ADVANTAGE CREDIT UNION |
|---|---|
| Address: (Main Office) | 700 Stumbo Rd ONTARIO, OH 44906-1279 |
| Phone: | (419) 529-5603 |
| Fax: | (419) 529-5068 |
| Website: | https://www.advantage4.org |
| Branches: | 1 branch locations |
| Members: | 3,687 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61383 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1961 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $41,861,720 |
| CEO/Manager: | Camille J Grayson |
| Chairperson: | Gary L Utt |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,881,472 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 8,841,861 |
| Unsecured Loans | 1,252,718 |
| Other Loans | 12,398,265 |
| TOTAL LOANS | 22,492,844 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -246,000 |
| Land And Building | 622,166 |
| Other Fixed Assets | 271,329 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 376,858 |
| All Other Assets | 0 |
| TOTAL ASSETS | 41,861,720 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 235 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 139,431 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 9,718,702 |
| Regular shares | 20,120,254 |
| All Other Shares & Deposits | 9,081,574 |
| TOTAL SHARES & DEPOSITS | 38,920,530 |
| TOTAL LIABILITIES | 39,060,196 |
| Regular Reserve | 0 |
| Other Reserves | 724,846 |
| Undivided Earnings | 2,076,678 |
| TOTAL EQUITY | 2,801,524 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 41,861,720 |
| INCOME & EXPENSE | |
| Loan Income | 944,500 |
| Investment Income | 396,414 |
| Other Income | 246,297 |
| Total Employee Compensation & Benefits | 597,064 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 738,737 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 128,404 |
| Cost of Funds | 200,630 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 18,555 |
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