State credit union · Kalamazoo, Michigan · NCUA charter #61503
ADVIA
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $3.87B
- Total assets
- 196,984
- Members
- 9.8%
- Net-worth ratio
ADVIA scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.87B; members 196,984; net-worth ratio 9.79%; health rank #998 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#998 of 4,374 health · 2025Q4ADVIA · health 91/100 · $3.87B · 2025Q4
Call Report peers
ADVIA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ADVIA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ADVIA sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for ADVIA
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +11.74 pp (95.64% vs 83.90%).
- Largest lag: Net Worth Ratio at 9.79% vs peer 11.18% (-1.39 pp).
ADVIA: in-state Call Report ranks
- Michigan health ordinal: #44 of 171.
- Assets rank #7 of 171 inside Michigan ($3.87B reported).
- Michigan membership ordinal: #5 of 171.
- One place up in Michigan, People Driven (#43) ties at 91/100; one place down, DOW (#45) ties at 91/100.
ADVIA Call Report trajectory
ADVIA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $3.87B (2025Q4) to $3.97B (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.78% → 9.79%).
At 9.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
ADVIA gives up 9 points in total. Member Growth costs the most, 3.6 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 29.5 pts
- Delinquency Rate 22.3 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 12.8 pts
ADVIA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.79% | -1.39 pp |
| Delinquency Rate | 0.77% | -0.11 pp |
| Return on Assets | 0.56% | +0.05 pp |
| Member Growth | 1.96% | - |
| Loan-to-Share Ratio | 95.64% | +11.74 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.97B | - |
| 2025Q4 | $3.87B | 196,984 |
| 2024Q4 | $3.44B | 193,197 |
| 2023Q4 | $2.99B | 193,172 |
Credit Union Details
- Charter Number
- 61503
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Kalamazoo
- Data Quarter
- 2025Q4
Branch Locations (34)
Per its most recent NCUA branch filing, ADVIA runs 34 offices in 28 different cities across 3 states.
| Office | City |
|---|---|
| Oshtemo - Headquarters (Main Office) | Kalamazoo, MI |
| Battle Creek - Capital Ave | Battle Creek, MI |
| Battle Creek - Columbia Ave | Battle Creek, MI |
| Beloit - Cranston | Beloit, WI |
| Beloit - Fourth St | Beloit, WI |
| Brownstown | Brownstown Twp, MI |
| Cary | Cary, IL |
| Crystal Lake | Crystal Lake, IL |
| Elkhorn | Elkhorn, WI |
| Fort Gratiot | Fort Gratiot, MI |
| Gurnee | Gurnee, IL |
| Janesville - Milton Ave | Janesville, WI |
| Kalamazoo-Comstock Ave | Kalamazoo, MI |
| Kalamazoo-West Main | Kalamazoo, MI |
| Kalamazoo-Q Avenue | Kalamazoo, MI |
| Kalamazoo-N Westnedge | Kalamazoo, MI |
| Marysville | Marysville, MI |
| Mattawan | Mattawan, MI |
| Mundelein | Mundelein, IL |
| New Baltimore | New Baltimore, MI |
| Niles | Niles, IL |
| Parchment | Parchment, MI |
| Pewaukee | Pewaukee, WI |
| Plainwell | Plainwell, MI |
| Port Huron | Port Huron, MI |
| Portage | Portage, MI |
| Richland | Richland, MI |
| Riverwoods | Riverwoods, IL |
| St. Clair | Saint Clair, MI |
| Silver Lake | Salem, WI |
| Southgate | Southgate, MI |
| West Allis | West Allis, WI |
| Williams Bay | Williams Bay, WI |
| Woodstock | Woodstock, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ADVIA
Using this data
- ADVIA ranks #998 of 4,374 nationally on financial health and #44 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNITED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNITED
Frequently Asked Questions
Is ADVIA financially healthy?
On its 2025Q4 NCUA 5300 filing, ADVIA scores 91/100 (Excellent), with a 9.79% net worth ratio and 0.77% of loans delinquent. It ranks #998 of 4,374 nationally on health and #44 of 171 in Michigan.
How does ADVIA compare to other credit unions?
ADVIA scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.64% vs 83.90%). Its widest shortfall is net worth ratio (9.79% vs 11.18%).
How can I join ADVIA?
Membership eligibility for ADVIA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ADVIA directly for current membership requirements and application steps.
Is my money safe at ADVIA?
ADVIA is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ADVIA's net worth ratio of 9.79% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.