BlastPoint's Credit Union Scorecard
ADVIA
Charter #61503 · MI
ADVIA has 6 strengths but faces 4 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 23.0% in tier
- + Organic Growth Engine: Top 46.3% in tier
- + Organic Growth Leader: Top 74.5% in tier
- + ROA 0.38% above tier average
- + Net Interest Margin 0.01% above tier average
- + AMR Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12.3% in tier
- - Liquidity Strain: Bottom 31.5% in tier
- - Credit Quality Pressure: Bottom 43.3% in tier
- - Indirect Auto Dependency: Bottom 50.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
196,984
+2.0% YoY+1.5% QoQ
|
-33.4K |
230,353
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$3.9B
+12.2% YoY+3.7% QoQ
|
$-76.0M |
$3.9B
+0.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$3.1B
+12.7% YoY+3.5% QoQ
|
+$115.4M |
$2.9B
-0.2% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$3.2B
+12.5% YoY+2.9% QoQ
|
$-121.0M |
$3.3B
-0.3% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
1.1%
+69.4% YoY-7.1% QoQ
|
+0.4% |
0.7%
+16.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
3.1%
+20.9% YoY-0.7% QoQ
|
+0.0% |
3.1%
+9.8% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
66.3%
-11.5% YoY+1.0% QoQ
|
-5.1% |
71.4%
-1.4% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.8%
+26.1% YoY+27.8% QoQ
|
-0.1 |
0.9%
+5.8% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
95.6%
+0.2% YoY+0.6% QoQ
|
+6.7% |
88.9%
-0.2% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$31,679
+10.5% YoY+1.7% QoQ
|
+$2K |
$29,682
+1.5% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
27.6%
+22.8% YoY+9.4% QoQ
|
-1.5% | 29.0% | 18.6% | 19.8% | 45% |
| Indirect Auto % |
16.5%
-20.2% YoY-16.0% QoQ
|
-1.8% | 18.3% | 11.8% | 7.8% | 51% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)