ADVIA

Charter #61503 | MI

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in MI

ADVIA has 9 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.1% in tier
  • + Relationship Depth Leader: Top 3.6% in tier
  • + Organic Growth Engine: Top 6.5% in tier
  • + Organic Growth Leader: Top 15.8% in tier
  • + ROA 0.44% above tier average
  • + Loan Growth Rate: Top 2.6% in tier
  • + AMR Growth Rate: Top 2.6% in tier
  • + Asset Growth Rate: Top 6.6% in tier
  • + Deposit Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 10.3% in tier
  • - Indirect Auto Dependency: Bottom 14.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 194,140
+4.3% YoY+1.7% QoQ
 -44.3K 238,465
+0.6% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 34th in tier
Assets $3.7B
+16.8% YoY+1.1% QoQ
 $-243.2M $4.0B
-0.1% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 42nd in tier
Loans $2.9B
+26.0% YoY+2.2% QoQ
 $-72.7M $3.0B
+3.3% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 46th in tier
Deposits $3.1B
+17.8% YoY+0.5% QoQ
 $-233.9M $3.3B
+1.1% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 32nd in tier
ROA 1.2%
+122.3% YoY+6.2% QoQ
 +0.4% 0.7%
+5.3% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 21.1% in tier
NIM 3.2%
+21.7% YoY+0.9% QoQ
 -0.0% 3.2%
+13.7% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 46th in tier
Efficiency Ratio 65.7%
-16.4% YoY+0.1% QoQ
 -5.6% 71.3%
-0.6% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 32nd in tier
Delinquency Rate 0.6%
-17.6% YoY+9.0% QoQ
 -0.2 0.8%
+15.9% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 51st in tier
Loan To Share 95.1%
+6.9% YoY+1.7% QoQ
 +4.2% 90.8%
+2.0% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 59th in tier
AMR $31,140
+16.7% YoY-0.4% QoQ
 +$2K $29,088
+0.1% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 68th in tier
CD Concentration 25.2%
+4.5% YoY+4.0% QoQ
 -3.8% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 34th in tier
Indirect Auto % 19.6%
-8.2% YoY-2.7% QoQ
 +0.8% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 56th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#9 of 264 • Top 1.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 16.65%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY

Relationship Depth Leader

growth
#27 of 264 • Top 3.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 16.65%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY

Organic Growth Engine

growth
#48 of 246 • Top 6.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.27%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.18%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 19.63%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth
#63 of 138 • Top 15.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.27%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk
#55 of 183 • Bottom 10.3% in tier

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

Why This Signature
Loan-to-Share Ratio: 95.07%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 25.96%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#91 of 202 • Bottom 14.6% in tier

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

Why This Signature
Asset Growth (YoY): 16.84%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 19.63%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.27%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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)

Comparing against 76 peers in tier

Top Strengths (6 metrics)

3
Loan Growth Rate
growth
Value: 25.96%
Peer Avg: 9.56%
#3 of 76 Top 2.6% in 3B-5B tier
3
AMR Growth Rate
growth
Value: 16.65%
Peer Avg: 2.07%
#3 of 76 Top 2.6% in 3B-5B tier
6
Asset Growth Rate
growth
Value: 16.84%
Peer Avg: 7.42%
#6 of 76 Top 6.6% in 3B-5B tier
8
Deposit Growth Rate
growth
Value: 17.78%
Peer Avg: 8.84%
#8 of 76 Top 9.2% in 3B-5B tier
16
Return on Assets (ROA)
profitability
Value: 1.18%
Peer Avg: 0.75%
#16 of 76 Top 19.7% in 3B-5B tier
17
Fee Income Per Member
profitability
Value: $243.27
Peer Avg: $191.96
#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (1 metrics)

63
Members Per Employee (MPE)
engagement
Value: 307.184
Peer Avg: 433.941
#63 of 76 Bottom 18.4% in 3B-5B tier