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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 67 |
| Q4 2025 | 64 |
| Q1 2026 | 65 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.68% |
| Q3 2024 | 10.11% |
| Q4 2024 | 9.64% |
| Q1 2025 | 9.65% |
| Q2 2025 | 9.66% |
| Q3 2025 | 9.90% |
| Q4 2025 | 9.78% |
| Q1 2026 | 9.79% |
| Q2 2026 | 9.73% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.66% |
| Q2 2026 | 0.70% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.80% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.18% |
| Q4 2025 | 1.08% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $4.1B | 9.73% | 0.70% | 1.10% | 97.2% |
| Q1 2026 | 65 | $4.0B | 9.79% | 0.66% | 1.05% | 95.0% |
| Q4 2025 | 64 | $3.9B | 9.78% | 0.77% | 1.08% | 95.6% |
| Q3 2025 | 67 | $3.7B | 9.90% | 0.60% | 1.18% | 95.1% |
| Q2 2025 | 66 | $3.7B | 9.66% | 0.55% | 1.09% | 93.5% |
| Q1 2025 | 64 | $3.5B | 9.65% | 0.53% | 0.80% | 93.4% |
| Q4 2024 | 62 | $3.4B | 9.64% | 0.61% | 0.62% | 95.5% |
| Q3 2024 | 62 | $3.2B | 10.11% | 0.73% | 0.51% | 88.9% |
| Q2 2024 | 65 | $3.0B | 10.68% | 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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Michigan Schools and Government Credit UnionCredit union Clinton Townshi, MI | 76 out of 100, Strong | $4.4B | 12.6% | 0.61% | vs |
| United Federal Credit UnionCredit union St Joseph, MI | 75 out of 100, Strong | $4.4B | 11.9% | 0.71% | vs |
| Consumers Credit UnionCredit union Oshtemo, MI | 65 out of 100, Moderate | $2.9B | 9.4% | 0.40% | vs |
| Lake Trust Credit UnionCredit union Brighton, MI | 62 out of 100, Moderate | $2.9B | 10.8% | 1.06% | vs |
| Dow Credit UnionCredit union Midland, MI | 73 out of 100, Strong | $2.6B | 10.1% | 0.29% | vs |
| Elga Credit UnionCredit union Grand Blanc, MI | 75 out of 100, Strong | $2.5B | 17.8% | 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.
13 locations
Branches
Advia Credit Union lists 13 offices in 12 cities across 3 states. Most locations:
- Kalamazoo, MI (2)
- Cary, IL (1)
- Gurnee, IL (1)
- Janesville, WI (1)
- Marysville, MI (1)
- Mundelein, IL (1)
- New Baltimore, MI (1)
- Niles, IL (1)
- Port Huron, MI (1)
- Riverwoods, IL (1)
- Saint Clair, MI (1)
- Woodstock, IL (1)
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.