Unverified listing What this means
The Lender Report built this page from public records. Advancial Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Advancial Credit Union itself. Each figure shows its source and date. Work at Advancial Credit Union? You can claim this page for free.
Credit union, Dallas, TX
Advancial Credit Union
A credit union based in Dallas, TX. It reported no business loans on its books as of June 30, 2026. Public files show recent 1-4 unit investor loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $0
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 0
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.39B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-322-2709 From the NCUA record, June 30, 2026.
- Website
- www.advancial.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- advancial.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- ADVANCIAL; ADVANCIAL FEDERAL CREDIT UNIONNCUA 5300,
- Address
- 10000 N Central Expy Ste 1400, Dallas, TX 75231-2319NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - primarily petroleum refining. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| 2023-10 to 2026-09 | Named as the lender on 1 mortgage recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
No public record of recent loans. That can mean no such loans or no duty to report.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 1 mortgage recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 names Advancial Credit Union as the lender, totaling $1.30M.
- 1 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Mixed use | 1 | $1.30M |
| Borough | Mortgages |
|---|---|
| Brooklyn | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
NCUA 5300, June 30, 2026
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 67 | $36.4M | $385K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
Programs on record: Federal Home Loan Bank member, Dallas district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Texas HQ | 12 | 0 | 5 | 0 | 0 |
| North Carolina | 1 | 0 | 2 | 0 | 0 |
| Oklahoma | 1 | 0 | 2 | 0 | 0 |
| Louisiana | 2 | 0 | 1 | 0 | 0 |
| Alaska | 1 | 0 | 0 | 0 | 0 |
| California | 0 | 0 | 18 | 0 | 0 |
| Florida | 0 | 0 | 6 | 0 | 0 |
| New York | 0 | 0 | 5 | 0 | 0 |
| Montana | 0 | 0 | 4 | 0 | 0 |
| Oregon | 0 | 0 | 3 | 0 | 0 |
| Utah | 0 | 0 | 3 | 0 | 0 |
| Connecticut | 0 | 0 | 2 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $293M | $105M to $316M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $0 | $0 to $134M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 0.0% | 0.0% to 43.0% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $28.6M | $14.8M to $53.4M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 0.0% | 0.0% to 32.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 85.3% | 29.5% to 86.6% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Of 67 1-4 unit investor loans with a known channel in 2025, 57 (85.1%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Datcu Credit Union | TX | $1.79B | $0 |
| Amoco Credit Union | TX | $1.49B | $0 |
| Gulf Coast Educators Credit Union | TX | $1.27B | $0 |
| Houston Police Credit Union | TX | $1.02B | $0 |
| Schlumberger Employees Credit Union | TX | $936M | $0 |
| Southwest Airlines Credit Union | TX | $861M | $0 |
| Austin Telco Credit Union | TX | $2.54B | $129M |
| Texans Credit Union | TX | $2.58B | $473K |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it made any commercial real estate loans in the first half of 2026. It reported none, and the 5300 covers only what it files.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Advancial Credit Union, NCUA charter 2285. Compare it with the regulator's record. [NCUA profile]
- Balances. $2.39B in total assets and no commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. Your NCUA Form 5300 for June 30, 2026 reports no commercial loans made, and 67 loans in the HMDA file, in 2025: 67 HMDA 1-4 unit investor 2025. [How each file was tied to Advancial Credit Union]
- Phone and website. Phone 800-322-2709, from the NCUA record. Website advancial.org, from the NCUA record. [How to reach them]
- Recorded mortgages, New York City. 1 recorded mortgage in New York City under this name. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 2285
- RSSD
- 113777
- LEI
- 549300I1HK1BBZLKOB84
- The Lender Report ID
- lr_000753
- Main office county
- Dallas
- Members
- 143,690
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $2.4B in total assets as of June 30, 2026 (NCUA 5300).
- Originated 67 1-4 unit investor or business-purpose loans totaling $36.4M in 2025 (HMDA).
- Listed 17 offices in 5 states (NCUA).
- Named as the lender on 1 mortgage recorded in New York City from 2023-10 to 2026-09, totaling $1.3M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Advancial Credit Union, https://lender.report/lender/advancial-credit-union-tx/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- NCUA 5300, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Advancial Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem