BlastPoint's Credit Union Scorecard

ADVIA

Charter #61503 · MI

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 3 in MI

View Mid-Market leaderboard →

ADVIA has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 3.2% in tier
+ Wallet Share Momentum: Top 3.2% in tier
+ ROA 0.32% above tier average
+ AMR Growth Rate: Top 2.6% in tier
+ Asset Growth Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 9.2% in tier
- Credit Risk Growth: Bottom 11.8% in tier
- Liquidity Strain: Bottom 21.9% in tier
- Credit Quality Pressure: Bottom 27.6% in tier
- Membership Headwinds: Bottom 93.7% in tier
- Stagnation Risk: Bottom 93.7% in tier
- Member decline: -5.1% YoY
- Member Growth Rate: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	186,725 -5.1% YoY-5.2% QoQ	-33.7K	220,435 -7.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	38%
Assets	$4.0B +13.1% YoY+2.7% QoQ	+$52.7M	$3.9B -1.5% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	54%
Loans	$3.1B +13.2% YoY+2.3% QoQ	+$226.1M	$2.9B -1.1% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	62%
Deposits	$3.3B +11.4% YoY+3.0% QoQ	$-13.9M	$3.3B -2.5% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	46%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +29.8% YoY-4.7% QoQ	+0.3%	0.7% +10.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	70%
NIM	3.2% +2.8% YoY+2.5% QoQ	+0.0%	3.2% +4.6% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	47%
Efficiency Ratio	64.8% -8.4% YoY-2.3% QoQ	-6.5%	71.3% -2.6% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.7% +25.1% YoY-14.1% QoQ	-0.1	0.7% +9.2% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	56%
Loan To Share	95.0% +1.7% YoY-0.7% QoQ	+7.0%	88.0% +0.9% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	68%
AMR	$34,292 +18.3% YoY+8.2% QoQ	+$4K	$30,672 +5.5% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	77%
CD Concentration	25.4% +9.6% YoY-7.7% QoQ	-3.4%	28.8%	18.6%	19.8%	36%
Indirect Auto %	15.9% -15.4% YoY-3.3% QoQ	-2.1%	18.1%	11.7%	7.7%	51%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#6 of 64 • Top 3.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 18.27%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.5K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | New qualifier

Wallet Share Momentum

growth

#12 of 125 • Top 3.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 18.27%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank worsening

Concerns (6)

Credit Risk Growth

risk

#34 of 183 • Bottom 11.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 13.23%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Membership Headwinds

decline

#25 of 91 • Bottom 93.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.08%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Liquidity Strain

risk

#49 of 148 • Bottom 21.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.98%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 13.23%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#67 of 198 • Bottom 9.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 13.13%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 15.95%

(Tier: 18.07%, National: 7.73%)

but better than tier avg

Member Growth (YoY): -5.08%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#105 of 225 • Bottom 27.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Stagnation Risk

risk

#53 of 91 • Bottom 93.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.08%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 13.23%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.66%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 78 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 18.27%

Peer Median: 2.86%

#3 of 78 Top 2.6% in 3B-5B tier

Asset Growth Rate

growth

Value: 13.13%

Peer Median: 5.44%

#8 of 78 Top 9.0% in 3B-5B tier

Loan Growth Rate

growth

Value: 13.23%

Peer Median: 5.73%

#10 of 78 Top 11.5% in 3B-5B tier

Deposit Growth Rate

growth

Value: 11.38%

Peer Median: 5.31%

#12 of 78 Top 14.1% in 3B-5B tier

Fee Income Per Member

profitability

Value: $236.67

Peer Median: $175.66

#18 of 78 Top 21.8% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $34,292

Peer Median: $28,813

#18 of 78 Top 21.8% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,705

Peer Median: $13,137

#18 of 78 Top 21.8% in 3B-5B tier

Top Weaknesses (2 metrics)

Member Growth Rate

growth

Value: -5.08%

Peer Median: 3.36%

#72 of 78 Bottom 9.0% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 297.333

Peer Median: 393.414

#68 of 78 Bottom 14.1% in 3B-5B tier