# ADVANTAGE ONE
Morrison, IL · NCUA charter 68343 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/advantage-one-68343

Who the members are: state charter, organized 1960. 2,390 members of 349,000 potential (0.7% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 3652.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $24.0M |
| Members | 2,390 (-1.7% YoY) |
| Full-time staff | 5 |
| Net worth | $2.8M |
| Net worth ratio | 11.5% (p26 of band) |
| ROA (annualized) | 0.51% (p47 of band) |
| Total delinquency | 0.69% (p51 of band) |
| Net charge-offs (annualized) | -0.03% (p17 of band) |
| Loans / shares | 68% (p64 of band) |
| Cash / assets | 37.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.07% (p58 of band) |
| Operating expense / assets | 3.60% (p49 of band) |
| Vehicles % of loans | 72% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 78% (p96 of band) |
| Vehicle delinquency | 0.38% (p47 of band) |
| Vehicle NCO | 0.25% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 16% |
| Average share balance | $5,359 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.2M |
| Loans outstanding per 100 members | 3652% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $164 |
| Loans granted, annualized | $3.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.2M outstanding purchased (78.1% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -1.2% year over year.

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 1 | net worth falling | losing money |
| 2017-06 | 1 | 3rd-party paper>100% NW | net worth falling |
| 2017-09 | 6 | thin capital, capital below 7%, losing money, delinquency rising |  |
| 2017-12 | 6 |  |  |
| 2018-03 | 3 |  | capital below 7%, losing money |
| 2018-06 | 3 | delinquency 2x band | thin capital |
| 2018-09 | 4 | charge-offs p90, loan book shrinking | 3rd-party paper>100% NW |
| 2018-12 | 2 |  | charge-offs p90, loan book shrinking |
| 2019-03 | 3 | margin squeeze |  |
| 2019-06 | 3 | charge-offs p90, loan book shrinking | delinquency rising, margin squeeze |
| 2019-09 | 3 | margin squeeze | loan book shrinking |
| 2019-12 | 4 | loan book shrinking |  |
| 2020-03 | 3 |  | charge-offs p90 |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 4 | losing money |  |
| 2021-03 | 5 | thin capital, net worth falling | losing money |
| 2021-06 | 4 | losing money | loan book shrinking, net worth falling |
| 2021-09 | 4 | loan book shrinking, auto monoline | thin capital, losing money |
| 2021-12 | 4 | thin capital | loan book shrinking |
| 2022-03 | 6 | net worth falling, losing money, delinquency rising | margin squeeze |
| 2022-06 | 3 |  | delinquency 2x band, net worth falling, delinquency rising |
| 2022-09 | 5 | members leaving, 3rd-party paper>100% NW |  |
| 2022-12 | 5 | delinquency 2x band | members leaving |
| 2023-03 | 5 | assets shrinking | losing money |
| 2023-06 | 2 |  | thin capital, 3rd-party paper>100% NW, delinquency 2x band |
| 2023-09 | 3 | delinquency 2x band |  |
| 2023-12 | 2 |  | delinquency 2x band |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 3 | delinquency rising | net worth falling |
| 2024-09 | 1 |  | assets shrinking, delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-10-09 [Hemmer is President/CEO of Advantage One Credit Union - TheCity1](https://news.google.com/rss/articles/CBMikgFBVV95cUxPYWUwS0lfV1ZSekZOOFlIT2tIR0Joa1VrU1AydFVGS0swUXpqbXMwNVR2bmdXT0xBTkQ3UmFXTzk5dy1QZkhZeV9IdGJURUpOVkVmb2lFS285Rm5pVE1FcjBua3NCQ1hmQ2NEemNKNDcwTVNmVzkzMDI3SUZnVUhJY2R2SVVxV1N6d2l5RmI5SDRDdw?oc=5) · TheCity1
- 2026-09-04 [In Loving Memory of William L. (Bill) Holm - FuneralFolio](https://news.google.com/rss/articles/CBMiakFVX3lxTFBRenhCOEF0T3g5NmJQeVR3bUo3Z0hIUjBmcVZ6eWg3bDJRbE55NDFyc0NaVFJhTUlxdnFsMVFjcUx0aE9GM0pVYmtrOVJmZWoweDA2UF9TSEVhN2wyazlQblFuc2pyOFA2TVE?oc=5) · FuneralFolio
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2026-01-29 [Whiteside County property transfers for Jan. 19-23, 2026 - Shaw Local](https://news.google.com/rss/articles/CBMipwFBVV95cUxOTjlKQ1R4b1U0ak1BVURxSXZmYVpqLU1tb1RzX2hYWnUxVjhESkVORmJ1anN6LVBkZVNjVUpvcU1LRXFDZnVDcVhsZXhmWkVzR1VkSmViMmRQaGhJN1hRTmVtd0xYUTVXRGY1Ulp5TERiVmk3MU1DWXV4bXJESFF5V2dBcEdzcE1YWndNbzlHSDFsNHMxZkg0bElLS0xQTjYxbFlEUTNqZw?oc=5) · Shaw Local
- 2025-04-26 [Property transfers for Lee, Whiteside and Ogle counties for April 7-20, 2025 - Shaw Local](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOSXZtdUN5NzZVZTB4ZEg2ZEM3U1BKYXpib01aRFU3OWRrZTh1OE13MlNIcDk1bEMwc3BFRkhtaTlFV09JNWdaMFhXdGQ1OE1LS3hwYzB0YXBhUHRCcDNXM0E0ZTNvRVVPUWFrT002OG9EVFNxY0VxeDFUaVJjWmVXVUxOTFFUVWdmSXU0TTF5Z3FrTnJlNTdmd1NPQ1FaeFBneHczaFJmRllpUnJVTmZnR18tUmJYTllqQlNvbWhSVy0tdw?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68343 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/55.json (key "68343", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68343
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide