Kalamazoo, MI · State Credit Union · Chartered in MI
Who can join
State government employees (special charter)
Members
186,725
Net Worth Ratio
9.79%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$3.97B
Total Shares
$3.28B
Total Loans
$3.12B
Net Income
$10.4M
Net Worth Ratio
9.79%
≥7% = Well Capitalized
Members
186,725
Return on Assets
0.26%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.45%
$14.1M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 3,218 | 1,712 | 1,044 | 53.2% | 32.4% |
| 2022 | 3,694 | 2,013 | 1,016 | 54.5% | 27.5% |
| 2021 | 2,892 | 1,406 | 925 | 48.6% | 32.0% |
No CFPB complaint data available for this credit union.
Oshtemo - Headquarters
6400 W Main St, Kalamazoo, MI, 49009-9272
Mon-Thurs: 9:00 am-5:00 pm Fri: 9:00 am-6:00 pm Sat: 9:00 am-12:00 pm
Marysville
1919 Gratiot Blvd, Marysville, MI, 48040-1278
Mon - Thurs 9:00 a.m. - 5:00 p.m. Lobby 9:00 a.m. - 5:00 p.m. DT Fri 9:00 a.m. - 6:00 p.m. Lobby 9:00 a.m. - 6:00 p.m. DT Sat 9:00 a.m. - 12:00 p.m. Lobby 9:00 a.m. - 12:00 p.m. DT
Fort Gratiot
3002 N River Rd, Fort Gratiot, MI, 48059-4220
Mon - Thurs 9:00 a.m. - 5:00 p.m. Lobby 9:00 a.m. - 5:00 p.m. DT Fri 9:00 a.m. - 6:00 p.m. Lobby 9:00 a.m. - 6:00 p.m. DT Sat 9:00 a.m. - 12:00 p.m. Lobby 9:00 a.m. - 12:00 p.m. DT
New Baltimore
35600 Main St, New Baltimore, MI, 48047
Mon - Thurs 9:00 a.m. - 5:00 p.m. Lobby 9:00 a.m. - 5:00 p.m. DT Fri 9:00 a.m. - 6:00 p.m. Lobby 9:00 a.m. - 6:00 p.m. DT Sat 9:00 a.m. - 12:00 p.m. Lobby 9:00 a.m. - 12:00 p.m. DT
Parchment
550 S Riverview Dr, Parchment, MI, 49004
Mon - Thurs 9:00 a.m. - 5:00 p.m. Lobby 9:00 a.m. - 5:00 p.m. DT Fri 9:00 a.m. - 6:00 p.m. Lobby 9:00 a.m. - 6:00 p.m. DT Sat 9:00 a.m. - 12:00 p.m. Lobby 9:00 a.m. - 12:00 p.m. DT
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<a href="https://bankscorer.com/credit-union/advia" target="_blank" rel="noopener">View ADVIA on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 95.0%· healthy range 60–80%
Battle Creek - Capital Ave
2550 Capital Ave SW, Battle Creek, MI, 49015
Mon - Thurs 9:00 a.m. - 5:00 p.m. Lobby 9:00 a.m. - 5:00 p.m. DT Fri 9:00 a.m. - 6:00 p.m. Lobby 9:00 a.m. - 6:00 p.m. DT Sat Closed Lobby 9:00 a.m. - 12:00 p.m. DT
Beloit - Cranston
1982 Cranston Rd, Beloit, WI, 53511
Mon - Thurs 9:00 a.m. - 5:00 p.m. Lobby 9:00 a.m. - 5:00 p.m. DT Fri 9:00 a.m. - 6:00 p.m. Lobby 9:00 a.m. - 6:00 p.m. DT Sat 9:00 a.m. - 12:00 p.m. Lobby 9:00 a.m. - 12:00 p.m. DT
Beloit - Fourth St
746 4th St, Beloit, WI, 53511
Mon - Thurs 9:00 a.m. - 5:00 p.m. Lobby 9:00 a.m. - 5:00 p.m. DT Fri 9:00 a.m. - 6:00 p.m. Lobby 9:00 a.m. - 6:00 p.m. DT Sat 9:00 a.m. - 12:00 p.m. Lobby 9:00 a.m. - 12:00 p.m. DT
Brownstown
20401 Gibraltar Rd, Brownstown Twp, MI, 48183-5012
Mon - Thurs 9:00 a.m. - 5:00 p.m. Lobby 9:00 a.m. - 5:00 p.m. DT Fri 9:00 a.m. - 6:00 p.m. Lobby 9:00 a.m. - 6:00 p.m. DT Sat 9:00 a.m. - 12:00 p.m. Lobby 9:00 a.m. - 12:00 p.m. DT
Kalamazoo-Comstock Ave
5039 Comstock Ave, Kalamazoo, MI, 49048
Mon - Thurs 9:00 a.m. - 5:00 p.m. Lobby 9:00 a.m. - 5:00 p.m. DT Fri 9:00 a.m. - 6:00 p.m. Lobby 9:00 a.m. - 6:00 p.m. DT Sat 9:00 a.m. - 12:00 p.m. Lobby 9:00 a.m. - 12:00 p.m. DT
24 more locations not shown.