Credit union
Advia Credit Union
Kalamazoo, Michigan, Kalamazoo County, MI
$4.1B in total assets and 189,402 members, the 126th largest of 4,298 US credit unions and 7th of 169 headquartered in Michigan.
- NCUA charter
- 61503
- Charter
- State chartered (MI)
- Chartered
- 1935
- NCUA insured since
- 1973
- Low-income designation
- Yes
- Website
- http://www.adviacu.org
At a glance
Compared with 26 federally insured credit unions in Michigan with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.1B | 81% | $1.7B | |
| Loans | $3.2B | 85% | $1.3B | |
| Deposits (shares) | $3.3B | 81% | $1.5B | |
| Members | 189,402 | 85% | 106,474 | |
| Return on assets | 1.13% | 58% | 0.83% | |
| Net interest income to assets | 3.33% | 31% | 3.75% | |
| Efficiency ratio | 63.9% | 27% | 73.7% | |
| Net worth ratio | 9.73% | 12% | 11.36% | |
| Loans to shares | 97% | 77% | 85% | |
| Cost of deposits | 2.10% | 73% | 1.71% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 12.8% a year over 10 years and 9.4% a year over the last 5, including 6 mergers in the last 10 years. Membership grew 0.5% a year over 5 years, to 189,402.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| May 2025 | Appletree Credit Union Credit union, West Allis, WI | $132M |
| Oct 2024 | Northside Community Bank Bank, Gurnee, IL | $309M |
| Apr 2020 | Riverview Community Federal Credit Union Credit union, Saint Clair, MI | $30M |
| Jul 2019 | Golden Eagle Community Bank Bank, Woodstock, IL | $171M |
| Sep 2017 | Peoples Bank Bank, Elkhorn, WI | $227M |
| Aug 2016 | Mid America Bank Bank, Janesville, WI | $81M |
| Oct 2014 | Southwest Michigan Federal Credit Union Credit union, Kalamazoo, MI | $65M |
| Sep 2012 | Inspire Community Development Federal Credit Union Credit union, Battle Creek, MI | $421K |
Where they operate
34 branches in 15 counties.
2 of 34 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Kalamazoo County, MI | 8 | 8.4% | 3 of 27 |
| St. Clair County, MI | 4 | 10.0% | 4 of 12 |
| Lake County, IL | 3 | 1.5% | 20 of 41 |
| Mchenry County, IL | 3 | 3.2% | 11 of 31 |
| Rock County, WI | 3 | 5.7% | 4 of 25 |
| Calhoun County, MI | 2 | 4.4% | 7 of 22 |
| Wayne County, MI | 2 | 0.6% | 25 of 58 |
| Walworth County, WI | 2 | 5.0% | 6 of 21 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 26 | |
| 2017 | 31 | +5 |
| 2018 | 30 | −1 |
| 2019 | 33 | +3 |
| 2020 | 29 | −4 |
| 2021 | 29 | 0 |
| 2022 | 28 | −1 |
| 2023 | 28 | 0 |
| 2024 | 30 | +2 |
| 2025 | 34 | +4 |
| Jun 2026 | 34 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.70% | 0.79% |
| Net worth ratio | 9.73% | 11.36% |
| Loans to shares | 97% | 85% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Michigan
Most branches in Kalamazoo County, MI
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.