PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Advia

Kalamazoo, MI · Charter 61503

NCUA · 32 branches

Q2 2026

$4.1BAssets
$3.2BLoans
$3.3BShares
$395.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.10%, up 1 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.70% of loans (+15 bps YoY).
  • Capital: net worth / assets of 9.73%, up 6 bps from a year ago.
  • Funding: loans stand at 97.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+18 bps YoY

Efficiency Ratio (YTD, annualized)

63.87%-179 bps YoY

Net Worth / Assets

9.73%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.18%1.08%1.05%1.10%+1 bps
Return on Equity11.23%11.86%11.02%10.69%11.30%+7 bps
Net Interest Margin3.07%3.15%3.09%3.23%3.25%+18 bps
Efficiency Ratio65.67%65.70%66.33%64.78%63.87%-179 bps
Growth
Asset Growth (YoY)23.74%16.84%12.23%13.13%10.14%-1,360 bps
Loan Growth (YoY)24.89%25.96%12.73%13.23%12.57%-1,232 bps
Share Growth (YoY)16.21%17.78%12.53%11.38%8.29%-792 bps
Asset Quality
Delinquent Loans / Loans0.55%0.60%0.77%0.66%0.70%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.67%9.91%9.79%9.80%9.73%+6 bps
Net Worth / Assets9.67%9.91%9.79%9.80%9.73%+6 bps
Liquidity & Funding
Loans / Shares93.50%95.07%95.64%94.98%97.19%+369 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps