Advia
Kalamazoo, MI · Charter 61503 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 32 branches
Q2 2026
$4.1BAssets
$3.2BLoans
$3.3BShares
$395.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 86% of credit unions $1B-$10B in assets (rank 59 of 435).
- Widest gap: equity / assets trails 77% of credit unions $1B-$10B in assets (rank 334 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.10%
Rank 123 of 435
Net Interest Margin
3.25%
Rank 261 of 435
Efficiency Ratio
63.87%
Rank 96 of 435
Equity / Assets
9.73%
Rank 334 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.55% | 0.81% | 1.14% | Beats 72% | 123 / 435 | |
| Return on Equity | 11.30% | 5.12% | 7.41% | 9.70% | Beats 86% | 59 / 435 | |
| Net Interest Margin | 3.25% | 3.01% | 3.39% | 3.75% | Beats 40% | 261 / 435 | |
| Efficiency Ratio | 63.87% | 65.25% | 71.39% | 77.86% | Beats 78% | 96 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.45% | 0.69% | 1.05% | Beats 49% | 224 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.73% | 9.81% | 10.84% | 12.63% | Beats 23% | 334 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.73% | 9.81% | 10.84% | 12.63% | Beats 23% | 334 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 97.19% | 78.33% | 88.38% | 95.61% | 79th pctl | 92 / 435 | |
| Loans / Assets | 79.91% | 67.69% | 74.58% | 80.80% | 69th pctl | 133 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |