BlastPoint's Credit Union Scorecard
ADVIA
Charter #61503 · MI
ADVIA has 9 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 6.5% in tier
- + Wallet Share Momentum: Top 7.0% in tier
- + Organic Growth Leader: Top 15.8% in tier
- + Profitability Leader: Top 55.3% 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
|
34% |
| 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
|
42% |
| 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
|
46% |
| 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
|
32% |
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| 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
|
79% |
| 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
|
46% |
| 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
|
32% |
| 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
|
51% |
| 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
|
59% |
| 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
|
68% |
| CD Concentration |
25.2%
+4.5% YoY+4.0% QoQ
|
-3.8% |
29.0%
+0.7% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
34% |
| Indirect Auto % |
19.6%
-8.2% YoY-2.7% QoQ
|
+0.9% |
18.8%
-3.0% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
57% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)