2025-11-17T18:56:40-06:00 2024-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVENUE SUITE 303 MIAMI FL 33193 990 2024-01-01 381686050 CREDIT UNIONS CHARTERED IN THE STATE OF MICHIGAN CRED 2693829845 6400 W MAIN ST KALAMAZOO MI 49009 ANTHONY WRIGHT CHIEF FINANCIAL OFFICER 2693829845 2025-11-17 1 0 AUBREY CLEGG P01076395 3052328272 2025-11-17 2024 2025-03-06 01:10:19Z ADVIA CREDIT UNION JEFFREY FIELDER 6400 W MAIN ST KALAMAZOO MI 49009 216503327 0 X WWW.ADVIACU.ORG X 1935 MI TO PROVIDE FINANCIAL ADVANTAGES TO OUR MEMBERS THROUGH THE OFFERING OF A FULL RANGE OF FINANCIAL PRODUCTS AND SERVICES. 8 8 747 9 471947 254548 1826265 0 146528131 176921058 34790379 39149608 0 40451 183144775 216111117 411212 771845 0 0 42434244 46244924 0 0 0 105313676 147574943 148159132 194591712 34985643 21519405 2987053945 3443898869 2713958533 3146646222 273095412 297252647 PROVIDE COMPETITIVE DEPOSIT AND LOAN PRODUCTS TO OUR MEMBERSHIP BASE. 0 0 LOW-COST COMPETITIVE LENDING PRODUCTS (INTEREST INCOME) LOW-COST PAYMENT SOLUTIONS (DEBIT/CREDIT INTERCHANGE) COMPETITIVE MEMBERSHIP AND ACCOUNT-RELATED FEES (OVERDRAFT/NSF FEES) 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 0 0 0 0 0 0 0 0 1 1 1 0 0 1 74351 0 1 747 1 1 1 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X X ANTHONY WRIGHT 8442384228 6400 W MAIN ST KALAMAZOO MI 49009 DONNA KALMETA CHAIR/BOD 1.00 X 5176 0 0 RICHARD SEIM V. CHAIR/BOD 1.00 X 2334 0 0 MARTIN DOORN DIRECTOR/BOD 1.00 X 5140 0 0 NICOLE KALMBACH SECRETARY/BOD 1.00 X 6549 0 0 JAMES BOUMA DIRECTOR/BOD 1.00 X 6602 0 0 MIKE SEGAL TREASURER/BOD 1.00 X 1663 0 0 GRACE LUBWAMA DIRECTOR/BOD 1.00 X 8403 0 0 RAFAEL CASTANEDA ASSOCIATE DIRECTOR/BOD 1.00 X 10019 0 0 JEFFREY FIELDER PRESIDENT/CEO 40.00 X 888723 0 410436 DUSTIN ADAMS CHIEF FINANCIAL OFFICER 40.00 X 365120 0 27500 ANTHONY WRIGHT CHIEF FINANCIAL OFFICER 40.00 X 21228 0 3583 RAYMOND BLACK CHIEF OPERATING OFFICER 40.00 X 380913 0 124752 TIMOTHY MERWIN CHIEF LENDING OFFICER 40.00 X 387454 0 126087 RENAE SISK CHIEF PEOPLE OFFICER 40.00 X 323717 0 51469 JEFFREY BOLSER CHIEF RETAIL OFFICER 40.00 X 309741 0 39336 LINDEN BUCK VP OF INDIRECT SERVICES 40.00 X 230705 0 32822 ERIC STOLL VP OF COMMERCIAL SERVICES 40.00 X 218611 0 14051 ZACKARY HAIGH COMMERCIAL LENDER III 40.00 X 207381 0 40320 NANCY LOFTIS VP OF MARKETING/PUBLIC RELATIONS 40.00 X 215477 0 12921 CHRISTOPHER SCHNEIDER COMMERCIAL LENDING MANAGER 40.00 X 222478 0 33159 3817434 0 916436 28 0 1 0 JACK HENRY & ASSOCIATES INC PO BOX 609 MONETT MO 65708 SOFTWARE 2085229 Q2 SOFTWARE INC 10355 PECAN PARK BLVD AUSTIN TX 78729 SOFTWARE 1956867 JAMES AND MATTHEW COMPANY 2 SHAKER RD STE D220 SHIRLEY MA 01464 ADVERTISING 1936619 CU COOPERATIVE 9692 HAVEN AVE RANCHO CUCAMONGA CA 91730 CARD SERVICES 1577737 MICROSOFT CORPORATION 1950 NORTH STEMMONS FWY STE 5010 DALLAS TX 75207 SOFTWARE 1369599 68 INCOME FROM LOANS 522100 136340594 136340594 OTHER INCOME 522100 25937113 25937113 FEES AND CHARGES 522100 14171404 14171404 FINANCE AND INSURANCE 520000 471947 471947 176921058 38924416 38924416 86318 45867 40451 40451 40451 571535 346343 225192 225192 225192 216111117 176714754 471947 38924416 X 730845 41000 3505945 33435415 2015050 4680615 2607899 609268 37415 245938 97291 995046 2569434 6769751 9270484 4355483 483896 88953977 119790 5478685 383849 UBIT EXPENSE 58341 PROVISION FOR LOAN LOSS 10343006 DEBIT/CREDIT CARD EXPEN 6060855 ATM EXPENSES 4340824 6401610 194591712 56205297 82274058 123226228 97396655 3809255 2537819 14454135 14900573 2294992913 2684979526 4327435 3881889 113494651 41279479 69671063 72215172 286541531 305503506 59564009 63539718 29671602 49100507 44590477 67569446 2987053945 3443898869 34498346 37002001 155000000 275000000 2524460187 2834644221 2713958533 3146646222 X 0 0 0 0 273095412 297252647 273095412 297252647 2987053945 3443898869 X 21519405 4633725 -1995895 X X 0 1 X 1 0 12095944 12095944 63822402 15424421 48397981 990802 401601 589201 36585503 25453457 11132046 72215172 SAVINGS AND CLUB 722138748 MONEY MARKET 747200091 SHARE DRAFT 618365281 CERTIFICATES 704978340 IRA CERTIFICATES 41961761 2834644221 X 216156984 0 216156984 -45867 -45867 216111117 194637579 45867 45867 194591712 0 194591712 PART X, LINE 2: INCOME TAX IS NOT PROVIDED IN THE STATEMENTS OF INCOME AS THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES EXCEPT FOR UNRELATED BUSINESS INCOME. PART XI, LINE 4B - OTHER ADJUSTMENTS: EXPENSES INCURRED IN CONJUCTION WITH EARNING RENTAL REVENUE THAT ARE REPORTED AS A REDUCTION OF REVENUE IN FORM 990 BUT AS A COMPONENT OF EXPENSES WITHIN THE AUDITED FINANCIAL STATEMENTS -45,867. PART XII, LINE 2D - OTHER ADJUSTMENTS: EXPENSES INCURRED IN CONJUCTION WITH EARNING RENTAL REVENUE THAT ARE REPORTED AS A REDUCTION OF REVENUE IN FORM 990 BUT AS A COMPONENT OF EXPENSES WITHIN THE AUDITED FINANCIAL STATEMENTS 45,867. 1 ADVIA FOUNDATION 6400 W MAIN ST KALAMAZOO MI 49009 472281678 501(C)(3) 15000 0 TO PROVIDE FINANCIAL ADVANTAGES WITHIN OUR COMMUNITIES BY ENHANCING FINANCIAL LITERACY, FURTHERING EDUCATION, AND IMPROVING OVERALL QUALITY OF LIFE. BIG BROTHERS BIG SISTERS A COMMUNITY OF CARING 3501 COVINGTON RD KALAMAZOO MI 49001 381720832 501(C)(3) 20000 0 TO IGNITE POTENTIAL AND BUILD BRIGHTER FUTURES THROUGH MENTORSHIP. COMMUNITY HOMEWORKS 810 BRYANT ST KALAMAZOO MI 49008 271037159 501(C)(3) 15000 0 COMMITTED TO CONNECTING HOMEOWNERS TO RESOURCES AND OPPORTUNITIES TO MAKE MORE LASTING CHANGE. DRIVE FOR LIFE FOUNDATION 4201 STADIUM DRIVE KALAMAZOO MI 49008 823209896 501(C)(3) 6000 0 TO BRING THE KALAMAZOO COMMUNITY TOGETHER FOR CHARITY. FAMILY HEALTH PARTNERSHIP 401 CONGRESS PKWY CRYSTAL LAKE IL 60014 364277029 501(C)(3) 10000 0 TO PROVIDE HIGH QUALITY HEALTH CARE SERVICES TO THE UNINSURED ADULTS OF MCHENRY COUNTY. KALAMAZOO BASEBALL LLC 251 MILLS ST KALAMAZOO MI 49048 320394932 LLC 42383 0 ATHLETIC SPONSORSHIP STADIUM MANAGEMENT COMPANY 3600 VAN RICK DR KALAMAZOO MI 49001 382048040 C CORPORATION 10000 0 ATHLETIC SPONSORSHIP VAN WAGNER TWELVE HOLDINGS LLC 800 3RD AVE 28TH FLOOR NEW YORK NY 10022 481290227 LLC 31500 0 SPONSORSHIP KALAMAZOO COMMUNITY FOUNDATION 402 E MICHIGAN AVE KALAMAZOO MI 49007 383333202 501(C)(3) 46000 0 TO TRANSFORM COMMUNITIES AND ADVANCE EQUITY AND EDUCATION IN EVERY SECTOR, AT EVERY LEVEL, FOR EVERYONE IN KALAMAZOO COUNTY. YWCA 353 EAST MICHIGAN AVE KALAMAZOO MI 49007 381360598 501(C)(3) 37537 0 DEDICATED TO ELIMINATING RACISM, EMPOWERING WOMEN, AND PROMOTING PEACE, JUSTICE, FREEDOM, AND DIGNITY FOR ALL. EL CONCILIO HISPANIC AMERICAN COUNCIL 930 LAKE ST KALAMAZOO MI 49001 382437758 501(C)(3) 20758 0 TO ENABLE AND PROMOTE THE PROSPERITY OF THE LATINX COMMUNITY. ECHO INC 65 S HIGH ST JANESVILLE WI 53121 391222279 501(C)(3) 11000 0 DEDICATED TO MEETING HOUSING, FOOD AND OTHER BASIC HUMAN NEEDS AND ADDRESSING THE BARRIERS TO SELF-SUFFICIENCY. WALWORTH COUNTY FOOD PANTRY 205 E COMMERCE COURT SUITE B ELKHORN WI 53121 264560796 501(C)(3) 10000 0 TO DISTRIBUTE FOOD, DIAPERS, INCONTINENCE PRODUCTS, AND PERIOD SUPPLIES TO WALWORTH COUNTY INDIVIDUALS AND FAMILIES IN NEED. MACOMB COUNTY HABITAT FOR HUMANITY 25 N MAIN ST MOUNT CLEMENS MI 48043 383135471 501(C)(3) 10000 0 TO HELP FAMILIES BUILD STRENGTH, STABILITY, AND INDEPENDENCE THROUGH AFFORDABLE HOME OWNERSHIP. SOUTHWEST MICHIGAN FIRST PO BOX 50827 KALAMAZOO MI 49005 382853785 501(C)(3) 10000 0 TO INCREASE ECONOMIC PROSPERITY FOR ALL IN OUR COMMUNITIES THROUGH INCLUSIVE AND EQUITABLE ACTIONS. BRONSON HEALTH FOUNDATION 301 JOHN ST KALAMAZOO MI 49007 382415081 501(C)(3) 10000 0 TO MEET THE HEALTH NEEDS AND EXPECTATIONS OF PEOPLE IN THE COMMUNITIES BRONSON SERVES. KALAMAZOO HOUSING ADVOCATES 821 SOUTH ST SUITE D KALAMAZOO MI 49007 883267109 501(C)(3) 10000 0 TO SUPPORT, EDUCATE AND ADVOCATE WITH THOSE WHO ARE UNHOUSED OR IN HOUSING THAT IS UNSTABLE KALAMAZOO LOAVES & FISHES 901 PORTAGE ST KALAMAZOO MI 49001 382420575 501(C)(3) 10000 0 TO FEED HUNGRY PEOPLE AND ENGAGE OUR COMMUNITY IN THE FIGHT TO END HUNGER. FIRST DAY SHOE FUND 5416 MEREDITH ST PORTAGE MI 49002 204881364 501(C)(3) 10000 0 TO PROVIDE NEW ATHLETIC SHOES TO STUDENTS IN KALAMAZOO COUNTY PUBLIC ELEMENTARY SCHOOLS AT NO COST. MINISTRY WITH COMMUNITY 500 N EDWARDS ST KALAMAZOO MI 49007 382596981 501(C)(3) 10000 0 TO EMPOWER PEOPLE TO MAKE POSITIVE LIFE CHANGES. MID CITY NUTRITION PROGRAM 805 CHESTNUT ST PORT HURON MI 48060 383934612 501(C)(3) 10000 0 TO SERVE DELICIOUS, HOT, AND HEALTHY MEALS TO ANYONE WHO IS IN NEED. KEEPING FAMILIES COVERED 3250-B N OAK GROVE AVE WAUKEGAN IL 60087 273434770 501(C)(3) 10000 0 TO ENSURE THAT EVERY FAMILY HAS ACCESS TO THE HYGIENE ESSENTIALS THEY NEED TO THRIVE. SOUTH MICHIGAN FOOD BANK 5451 WAYNE ROAD BATTLE CREEK MI 49037 382445948 501(C)(3) 9000 0 TO ENRICH LIVES IN OUR COMMUNITY BY ELIMINATING FOOD INSECURITY. JUNIOR ACHIEVEMENT 741 KENMOOR AVE SE SUITE C GRAND RAPIDS MI 49546 381557861 501(C)(3) 8500 0 DEDICATED TO GIVING YOUTH THE KNOWLEDGE & SKILLS THEY NEED TO OWN THEIR SUCCESS. BUILDING BLOCKS OF KALAMAZOO 1009 E STOCKBRIDGE AVE KALAMAZOO MI 49001 061705642 501(C)(3) 8000 0 TO ENGAGE OUR COMMUNITIES IN COLLABORATIVE EFFORTS THAT ADDRESS SYSTEMIC INEQUITIES AND ENHANCE THE QUALITY OF NEIGHBORHOOD LIFE FOR ALL. AMERICAN RED CROSS 431 18TH STREET NW WASHINGTON DC 20006 530196605 501(C)(3) 6000 0 TO FEED AND PROVIDE COMFORT TO PEOPLE AFFECTED BY DISASTERS. AMERICAN HEART ASSOCIATION 3940 PENINSULAR DRIVE SE 180 GRAND RAPIDS MI 49546 135613797 501(C)(3) 10000 0 TO FIGHT HEART DISEASE AND STROKE AND HELP FAMILIES AND COMMUNITIES THRIVE. PH PRO HOCKEY 250 CORTLAND LOMBARD IL 60148 473987711 LLC 9500 0 ATHLETIC SPONSORSHIP LIGGELT COMMUNICATIONS LLC 808 HURON AVE PORT HURON MI 48060 383530283 LLC 9499 0 SPONSORSHIP BELOIT MEALS ON WHEELS INC 1534 SHORE DRIVE BELOIT WI 53511 391375390 501(C)(3) 8500 0 TO PROVIDE DAILY NUTRITIOUS MEALS TO THE HOMEBOUND ELDERLY, ILL AND DISABLED IN THE GREATER BELOIT AREA. FISH & LOAVES 25670 NORTHLINE ROAD TAYLOR MI 48180 205865585 501(C)(3) 8000 0 TO PROVIDE UPLIFTING AND SUPPORTIVE SERVICES THAT EMPOWER OUR CLIENTS TO BE FINANCIALLY SECURE AND HAVE A STABLE HOME. A BEAUTIFUL ME 310 HURON AVE SUITE 2 PORT HURON MI 48060 263340108 501(C)(3) 6000 0 TO GROW OUR LOCAL YOUTH TO BE CONFIDENT YOUNG LADIES 27 5 CHERYL DEBOER SOAR HIGHER AWARD 4 12000 VISA GIVEAWAY 2 13000 CELEBRATION OF LIFE 2 10000 BACK TO SCHOOL GIVEAWAY 1 3000 HELOC GIVEAWAY 1 3000 PART I, LINE 2: THE AMOUNTS PAID TO THE ORGANIZATIONS ARE CONSIDERED DONATIONS, NOT GRANTS, SO THERE IS NO MONITORING SUBSEQUENT TO DISBURSEMENT. PART III CELEBRATION OF LIFE DONATIONS WERE GIVEN TO SEPARATE INDIVIDUALS WHO PASSED IN 2024. CHERYL DEBOER SOAR HIGHER AWARD IS A SCHOLARSHIP THAT IS PROVIDED TO INDIVIDUALS THAT MUST APPLY FOR THE SCHOLARSHIP. REMAINING GIVEAWAYS ARE MARKETING GIVEAWAYS THAT INDIVIDUALS MUST MEET CERTAIN CRITERIA PER EACH GIVEAWAY TO ENTER. INDIVIDUALS ARE SELECTED FROM THOSE ELIGIBLE. X X 1 1 X X X X X 1 1 0 JEFFREY FIELDER PRESIDENT/CEO 685877 0 160142 0 42704 0 374357 0 36079 0 1299159 0 0 0 TIMOTHY MERWIN CHIEF LENDING OFFICER 315367 0 61544 0 10543 0 90873 0 35214 0 513541 0 0 0 RAYMOND BLACK CHIEF OPERATING OFFICER 316364 0 61687 0 2862 0 93285 0 31467 0 505665 0 0 0 DUSTIN ADAMS CHIEF FINANCIAL OFFICER 211052 0 54997 0 99071 0 13986 0 13514 0 392620 0 0 0 RENAE SISK CHIEF PEOPLE OFFICER 269410 0 45889 0 8418 0 17296 0 34173 0 375186 0 0 0 JEFFREY BOLSER CHIEF RETAIL OFFICER 266583 0 42186 0 972 0 16488 0 22848 0 349077 0 0 0 LINDEN BUCK VP OF INDIRECT SERVICES 146865 0 75005 0 8835 0 9719 0 23103 0 263527 0 0 0 CHRISTOPHER SCHNEIDER COMMERCIAL LENDING MANAGER 122348 0 94127 0 6003 0 8321 0 24838 0 255637 0 0 0 ZACKARY HAIGH COMMERCIAL LENDER III 101813 0 104802 0 766 0 6851 0 33469 0 247701 0 0 0 ERIC STOLL VP OF COMMERCIAL SERVICES 188054 0 26859 0 3698 0 11283 0 2768 0 232662 0 0 0 NANCY LOFTIS VP OF MARKETING/PUBLIC RELATIONS 177946 0 25671 0 11860 0 10264 0 2657 0 228398 0 0 0 PART I, LINES 4A-B DUSTIN ADAMS: $79,707 THE ORGANIZATION OFFERS A 457(F) NON-QUALIFIED DEFERRED COMPENSATION ARRANGEMENT TO SELECT EXECUTIVE OFFICERS AT THE CREDIT UNION. DURING 2024, THE CREDIT UNION ACCRUED THE FOLLOWING DEFERRED COMPENSATION BENEFITS FOR THE EACH OF THE BELOW-LISTED PARTICIPANTS: JEFFREY FIELDER- $353,657 RAYMOND BLACK- $73,501 TIMOTHY MERWIN- $70,612 JEFFREY FIELDER, RAYMOND BLACK AND TIMOTHY MERWIN PARTICIPATED IN A SPLIT DOLLAR COLLATERAL INSURANCE SUPPLEMENTAL RETIREMENT PLAN. THEIR LOANS RELATED TO THIS PLAN ARE REPORTED ON SCHEDULE L. CHERYL DEBOER FORMER PRESIDENT/CEO TO FUND LIFE INSURANCE POLICY X 5400000 5699826 0 1 1 JEFFREY FIELDER PRESIDENT/CEO TO FUND LIFE INSURANCE POLICY X 9200000 6836586 0 1 1 RAYMOND BLACK COO TO FUND LIFE INSURANCE POLICY X 1604663 1602868 0 1 1 TIMOTHY MERWIN CLO TO FUND LIFE INSURANCE POLICY X 716572 761293 0 1 1 14900573 FORM 990, SCH L, PART II THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT REFERRED TO AS A "COLLATERAL ASSIGNED SPLIT DOLLAR." ALTHOUGH THE IRS REQUIRES REPORTING IN PART II AS A LOAN TO AN INTERESTED PARTY, THIS IS NOT AN ACTUAL LOAN. THERE IS NO TRANSFER OF FUNDS TO THE PARTICIPANTS NOR AN OBLIGATION TO REPAY THE FUNDS. INSTEAD THE CREDIT UNION RECOVERS ANY OUTLAYS, PLUS INTEREST, FROM THE UNDERLYING POLICY. THAT IS, THE CREDIT UNION DEPOSITS FUNDS DIRECTLY INTO A LIFE INSURANCE POLICY TO ENSURE REPAYMENT. AT SPECIFIED TIMES, THE PARTICIPANTS MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE POLICY TO SUPPLEMENT RETIREMENT INCOME. THE BORROWINGS ARE MONITORED TO ENSURE THE POLICY WILL PAY A DEATH BENEFIT AT LEAST SUFFICIENT TO COVER THE CREDIT UNION'S OUTLAYS PLUS INTEREST. ANY REMAINING DEATH BENEFITS ARE DIVIDED BETWEEN THE CREDIT UNION AND THE PARTICIPANT'S BENEFICIARIES AS AGREED UPON. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS ARE ALLOWED TO ELECT DIRECTORS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. FORM 990, PART VI, SECTION B, LINE 11B THE GOVERNING BOARD MEMBERS ARE INFORMED OF THE COMPLETION OF THE FORM 990 AND THAT A COPY IS AVAILABLE FOR THEIR REVIEW UPON REQUEST. FORM 990, PART VI, SECTION B, LINE 12C CONFLICT OF INTEREST POLICY IS SIGNED EVERY YEAR AT THE ANNUAL MEETING. AT THE BEGINNING OF EVERY BOARD MEETING, BOARD MEMBERS ARE ASKED IF THERE ARE POTENTIAL OR ACTUAL CONFLICTS WITH ANY OF THE BOARD ITEMS. FORM 990, PART VI, SECTION B, LINE 15 A COMMITTEE OF THE BOARD PREPARES A WRITTEN EVALUATION OF THE CEO AND OBTAINS COMPARABLE SURVEYS. FORM 990, PART VI, SECTION C, LINE 19 RECORDS ARE MADE AVAILABLE IN ACCORDANCE WITH THE MICHIGAN CREDIT UNION ACT AND NCUA RULES AND REGULATIONS. FORM 990, PART IX, LINE 11G OTHER PROFESSIONAL FEES 995,046. FORM 990, PART IX, LINE 24E LOAN SERVICING 4,247,153. MAINTENANCE 760,462. OTHER OPERATING EXPENSES 758,885. NCUA PREMIUM ASSESSMENT 382,805. TRAINING/BUSINESS DEVELOPMENT 252,305. FORM 990, PART XI, LINE 9: CHANGE IN POST RETIREMENT BENEFIT 4,105. REPAYMENT OF SECONDARY CAPITAL -2,000,000. FORM 990, PART XII, LINE 2C THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR. ADVIA REAL ESTATE HOLDINGS LLC 6400 W MAIN ST KALAMAZOO MI 49009 381686050 HOLDING COMPANY FOR CORPORATE HEADQUARTERS AND LEASABLE SQUARE FOOTAGE MI 86318 41483993 ADVIA CREDIT UNION ADVIA FOUNDATION 6400 W MAIN ST KALAMAZOO MI 49009 472281678 COMMUNITY GRANTS MI 501(C)(3) LINE 7 ADVIA CREDIT UNION 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0