1ST ADVANTAGE Credit Union Profile

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1ST ADVANTAGE

Charter #7448 | NCUA Region 1 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (757) 877-2444

Fax: (757) 886-3314

Founding Date: N/A

Website: http://www.1stadvantage.org

Personnel & Operations

President: McClellan, Sylvester

Manager: Muse, Paul

FT Employees: 214

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 13

Hours: M-F 9:00-5:00, Sat 9-1

Credit Union Profile Summary

1ST ADVANTAGE is a FCU Credit Union. With a total of 71,662 members ^[1], this institution manages approximately $1,032,530,549 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.54% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 6.45% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,032,530,549

Total economic resources.

Total Loans ^[1]

$767,353,323

Total value of outstanding loans.

Total Deposits ^[1]

$862,128,754

Total funds deposited by members.

Members ^[1]

71,662

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

15.54%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.76%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

89.01%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 3.61%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 6.45%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 1.52%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

110 Cybernetics Way

Yorktown, VA, 23693

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 13 branches reported by 1ST ADVANTAGE (Charter #7448).

Main Office

1A Plaza, Kiln Creek Branch Main Office

Type: Corporate Office

110 Cybernetics Way

Yorktown, VA 23693

Phone: (757) 877-2444

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Fort Eustis

Fort Eustis Branch

Type: Branch Office

Type: Branch Office

4800 Courthouse St

Williamsburg, VA 23188

Phone: (757) 877-2444

Services: Member Services, ATM, Drive-Thru

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Sentara Branch

Type: Branch Office

400 Sentara Cir Ste 103

Williamsburg, VA 23188-5716

Phone: (757) 877-2444

Services: Member Services, ATM

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Yorktown

Grafton Branch

Type: Branch Office

6035 George Washington Mem Hwy

Yorktown, VA 23692-2108

Phone: (757) 877-2444

Services: Member Services, ATM, Drive-Thru

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