ADVIA
Charter #61503 · Kalamazoo, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.79% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 1.06% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.86% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.78% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 67th — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ADVIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.97B | 74th pct | 66th pct |
| Members | 186,725 | 71th pct | 62th pct |
| Net worth ratio | 9.79% | 29th pct | 25th pct |
| Return on average assets | 1.06% | 77th pct | 77th pct |
| Net interest margin | 3.27% | 46th pct | 44th pct |
| Cost of funds | 2.86% | 93th pct | 95th pct |
| Loan-to-share | 94.98% | 79th pct | 79th pct |
| Delinquency 60+ days | 0.66% | 52th pct | 67th pct |
| Net charge-off ratio | 0.43% | 38th pct | 39th pct |
| Loan growth YoY | 5.87% | 86th pct | 87th pct |
| Share growth YoY | 5.96% | 75th pct | 69th pct |
| Efficiency ratio | 64.78% | 23th pct | 13th pct |
structural peer set hash: 7478f4e5b2baad2e40f3b2172cd62d5f… (reproducible)
Closest structural peers
This is the free public view
Claim ADVIA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.