# ADVIA
Kalamazoo, MI · NCUA charter 61503 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/advia-61503

Who the members are: state charter, organized 1935, low-income designated. 186,725 members of 16,386,017 potential (1.1% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.97B |
| Members | 186,725 (-5.1% YoY) |
| Full-time staff | 562 |
| Net worth | $388.8M |
| Net worth ratio | 9.8% (p30 of band) |
| ROA (annualized) | 1.05% (p77 of band) |
| Total delinquency | 0.66% (p53 of band) |
| Net charge-offs (annualized) | 0.42% (p38 of band) |
| Loans / shares | 95% (p79 of band) |
| Cash / assets | 4.8% |
| Borrowings / assets | 6.98% |
| Net interest margin | 3.23% (p44 of band) |
| Operating expense / assets | 2.81% (p29 of band) |
| Vehicles % of loans | 24% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 210% (p68 of band) |
| Vehicle delinquency | 1.09% (p82 of band) |
| Vehicle NCO | 1.35% (p68 of band) |
| Repossessed % of vehicle book | 0.17% (p77 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 171% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 25% |
| Average share balance | $7,712 |
| Participations bought / yr | $4.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $115.4M |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $28,831 |
| Loans granted, annualized | $1.17B |

## Participation posture (from the same filings)

Bought $4.1M and sold $0 in the latest annualized quarter; $115.4M outstanding purchased (29.7% of net worth), $642,499 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 11.4% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 5 | net worth falling, loans>95% of shares, leaning on borrowings |  |
| 2016-12 | 2 |  | net worth falling, loans>95% of shares, leaning on borrowings |
| 2017-03 | 3 | expense trap |  |
| 2017-06 | 3 | loans>95% of shares | expense trap |
| 2017-09 | 4 | leaning on borrowings |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 | expense trap | leaning on borrowings |
| 2018-06 | 3 |  | delinquency 2x band |
| 2018-09 | 4 | delinquency 2x band |  |
| 2018-12 | 3 |  | loans>95% of shares |
| 2019-03 | 3 | net worth falling | expense trap |
| 2019-06 | 2 | loans>95% of shares | delinquency 2x band, net worth falling |
| 2019-09 | 3 | delinquency 2x band |  |
| 2019-12 | 3 | net worth falling | delinquency 2x band |
| 2020-03 | 3 | delinquency 2x band | loans>95% of shares |
| 2020-06 | 5 | thin capital, margin squeeze |  |
| 2020-09 | 2 |  | net worth falling, thin capital, margin squeeze |
| 2020-12 | 1 |  | delinquency 2x band |
| 2021-03 | 3 | thin capital, delinquency 2x band |  |
| 2021-06 | 2 |  | thin capital |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | delinquency 2x band |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | net worth falling, delinquency rising |  |
| 2024-06 | 2 | members leaving | leaning on borrowings, net worth falling, delinquency rising |
| 2024-09 | 3 | leaning on borrowings |  |
| 2024-12 | 4 | net worth falling, loans>95% of shares | members leaving |
| 2025-03 | 2 |  | net worth falling, loans>95% of shares |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | loans>95% of shares |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | members leaving | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-01 [Racist policies shaped a neighborhood. Its lone banking institution helps people overcome. - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2025-11-03 [Victim of complex bank account scam shares her story to protect others - wwmt.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOejkyRXY3dXk1VGM0SXdDRFhxZGlqelNRMEdyMVU4ZUVEdkRvYUR4bWFKODBsSUl0Ulh3dVBFb2EwcFdSLVhmNDVIUWN1NmRfV0YzRVE2TkpWaFBoRXNRWWlrc18tTElIbEJHN3dFLUVrbFdQTG1zdjZHMGoyeGkxT25xck5zb2YtTHhlaVJkZFVmU1FmenRWY19tMnJyUTB0VEs5S3lsaVpzNVhrUW0zbnNPXzdJdHZLMEQzajZuRVc3dEJNUGJhTW9lMTdfd2FSZWcxd1BhWQ?oc=5) · wwmt.com
- 2026-02-01 [Advia Credit Union, lone credit union on Kalamazoo's north side - MLive.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9UTlhQR1pzR0NCbDZsS3k0ZlBzdHJwOWEzMjdRbjZBZ0hhUkZraERXNzJ5alVTa1hTekRKWlJEOXpXc2dabUh2TWVnU1dCQl82Ul9pRmJtN21TalVuTlRWRE5IbTVoVFBDbW9r?oc=5) · MLive.com
- 2025-05-21 [Growlers & Advia Credit Union Extend Partnership for 12th Season - Northwoods League](https://news.google.com/rss/articles/CBMisAFBVV95cUxQVUdTOEpCUlp3dGtheGUxbUZCYVJaZlRWdGhvVm5vYzg1MFR6Y0ZYTE9iTFJNUUtRMGJCcmtfcWdxM0dXbHF2SnBmVndCbmQtRmU0S0pkYWNuUm5BODJ4NWNVNk5ua2pndDNNVHRxb1hQU1JzRExaclM1SWc3ZzBKSmpmZGI3R1VGbFd3MTU1RUl4TDdNbUpfZGV2SE1ORU13OHhCWllVakpOMVZxUld6bQ?oc=5) · Northwoods League
- 2022-03-18 [Advia Promotes Ashley Miner to Director of Finance and Accounting in Kalamazoo, MI - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxOZFhWOXJyZTRxQ3NuNjlPY3l1bTByZDJvMmkwVzZvc0V5RFJjSTNJeE82eTlrRFhCdVRWYW8zNl90Ri1BSllsQzV4Vl8tNE9KQ3ZHYWNtZ1lTMFhjZ1NJN1lHS1Z5RTgyeXNWQ0NLejlhVjBQZVN3dG8zZjB6QVZZSl9yZzRzcGlGd1ZTSlllM1FJbzVlVzZkLTYyb28teGw0UzY5eWIwMkNkd29wT095OGRmWHNiVHhscjVUNmxxWQ?oc=5) · CUInsight
- 2022-03-14 [Jeffrey Bolser joins Advia Credit Union as vice president of consumer lending - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxOYS10OHI4aDVmU2RNQWRveDNKc0NKRGQyQWdzV0NMZ3YyYmdhRG5iNkVVaVJuZXFneUhqQWtWS0hXTDJXTnphaWRObUFLUEtFX1dsamJmS3lBWGxwUEZfTjNGb3Y4bnBuQlNlWHk1eGRLRlkwQ0ZwbkMyOXU1RkNoX2p1NzJsZVAxVGxTQVNObGdTcGFSZjN2VWZwNEZla0xTWkRsX3ozUElHS0laWXZqLS13VU5DYWJQaWc?oc=5) · CUInsight
- 2021-08-17 [Royal Oak Mural Celebrating Dream Cruise To Be Unveiled Friday - Patch](https://news.google.com/rss/articles/CBMimwFBVV95cUxNRDZvdnc4YnoxOU1RaVNzOGdvbm90NHcyaGhYbEY5OTI0VHBOcXZNOVZrQzU3WFdQeDI1TnJTb21rOTA3T1FyYVE2SjlGUlpsYmRlbVR0dTNaYzRtSHJjVmQ3bDg3WEtFSHRIRDM4UzhfNFQtT1dDc0hhQ203d04wYXRFMW16dm9fLTF2Z1lOVnpGdE1FOFFIbXpZcw?oc=5) · Patch
- 2018-05-10 [Kalamazoo police suspect teens of check fraud at local credit union - wwmt.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQMmR2Z0UwQ2VWQkxHa3RKVS1rcmNScFNpYVhjVHBuczNwZEZ2Nmw5d3l4MGMtcURjUUZnZjUtM2RINktCbmIwM0s0cWl2aUlMTDItQlRhVkhna1RmeWFORzZBdllfUnVTV2dQVmE3MTgyS0UtQXhESlc1bmRDb1hTV2o0LUVyS0ItZ2ZnMEQ2UGlIMTBDYlZheVhQMA?oc=5) · wwmt.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61503 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/63.json (key "61503", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61503
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide