TellerScore

Headquartered in Kalamazoo, Michigan, Advia Credit Union is a federally insured state-chartered credit union with $4.1B in total assets and $3.3B in member shares and deposits as of Q2 2026. It operates 13 offices across 3 states. Its charter dates back to 1935.

Advia Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 139th. Problem-loan coverage contributes the most (88/100, 6.2%); capital cushion contributes the least (47/100, 9.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.73%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity63/100
Loans ÷ shares: 97.2% · 11.6% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.20%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (66 → 64), mostly because the loan quality component weakened by 5 points.

TellerScore
626567Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202462
Q4 202462
Q1 202564
Q2 202566
Q3 202567
Q4 202564
Q1 202665
Q2 202664
Net worth ratio
7.00%8.84%10.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.68%
Q3 202410.11%
Q4 20249.64%
Q1 20259.65%
Q2 20259.66%
Q3 20259.90%
Q4 20259.78%
Q1 20269.79%
Q2 20269.73%
Delinquent loans (60+ days)
0.53%0.65%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.73%
Q4 20240.61%
Q1 20250.53%
Q2 20250.55%
Q3 20250.60%
Q4 20250.77%
Q1 20260.66%
Q2 20260.70%
Return on assets
0.51%0.85%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.51%
Q4 20240.62%
Q1 20250.80%
Q2 20251.09%
Q3 20251.18%
Q4 20251.08%
Q1 20261.05%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$4.1B9.73%0.70%1.10%97.2%
Q1 202665$4.0B9.79%0.66%1.05%95.0%
Q4 202564$3.9B9.78%0.77%1.08%95.6%
Q3 202567$3.7B9.90%0.60%1.18%95.1%
Q2 202566$3.7B9.66%0.55%1.09%93.5%
Q1 202564$3.5B9.65%0.53%0.80%93.4%
Q4 202462$3.4B9.64%0.61%0.62%95.5%
Q3 202462$3.2B10.11%0.73%0.51%88.9%
Q2 202465$3.0B10.68%0.61%0.53%87.0%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.73%
23rd
Problem loans0.70%
48th
Net charge-offs0.46%
57th
Return on assets1.10%
72nd
Loans to deposits97.2%
21st
Uninsured deposits11.6%
31st
Loan-loss reserves0.00%
50th
Texas ratio6.2%
36th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Michigan Schools and Government Credit UnionCredit union Clinton Townshi, MI76 out of 100, Strong$4.4B12.6%0.61%vs
United Federal Credit UnionCredit union St Joseph, MI75 out of 100, Strong$4.4B11.9%0.71%vs
Consumers Credit UnionCredit union Oshtemo, MI65 out of 100, Moderate$2.9B9.4%0.40%vs
Lake Trust Credit UnionCredit union Brighton, MI62 out of 100, Moderate$2.9B10.8%1.06%vs
Dow Credit UnionCredit union Midland, MI73 out of 100, Strong$2.6B10.1%0.29%vs
Elga Credit UnionCredit union Grand Blanc, MI75 out of 100, Strong$2.5B17.8%1.38%vs

Deposit insurance

Is my money safe at Advia Credit Union?

Yes. Advia Credit Union is a federally insured credit union (NCUA charter #61503). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 11.6% of shares and deposits ($387.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.73%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

13 locations

Branches

Advia Credit Union lists 13 offices in 12 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Advia Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61503
RSSD ID
986177
Primary regulator
State + NCUA
Established
1935
Headquarters
6400 W Main St, Kalamazoo, MI 49009
Employees
634

Quick answers

Advia Credit Union: common questions

Is Advia Credit Union NCUA insured?

Yes. Advia Credit Union is a federally insured credit union (NCUA charter #61503). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Advia Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Advia Credit Union have?

13 offices as of the latest NCUA data, in 3 states.