Credit union · NCUA insured
Members Advantage Credit Union
Top CarrotA $134.7M credit union headquartered in Michigan City, IN, with 7,776 members and 3 branches in Indiana. Best rates: CDs 4.55% and savings 2.43% APY.
Members Advantage Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#1 of 12 in Michigan City, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members Advantage Credit Union
Members Advantage Credit Union serves Northwest Indiana and surrounding cities, with locations in Portage and Michigan City, Indiana.
- Headquarters
- 3064 Ohio St, Michigan City, IN 46360-6866
- NCUA charter
- 68242
Branches
3 branches in Indiana
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Indiana
3 branches
Michigan City area · 2
- Ohio Steet BranchMain office3064 Ohio St, Michigan City, IN 46360Directions
- Woodland Branch947 s Woodland Ave, Michigan City, IN 46360Directions
Chicago area · 1
- Portage Office6170 US Highway 6, Portage, IN 46368Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.47% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.23% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.45% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $43 | $76 | — |
- CapitalNet worth ratio9.47%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.23%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.45%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$43Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Members Advantage Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.