Sovita

Flint, MI · 2 · Charter #60666 · www.sovitacu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$576.1M
66th percentile
Members
17,847
16th percentile
Total loans
$137.4M
3th percentile
Total shares
$485.9M
65th percentile

Profitability

Return on assets
1.01%
53th percentile
Net interest margin
2.39%
6th percentile
Efficiency ratio
47.16%
89th percentile
Non-interest income ratio
14.76%
26th percentile

Capital & Risk

Net worth ratio
15.97%
93th percentile
Delinquency rate
0.14%
95th percentile
Net charge-off rate
0.09%
90th percentile
Loan-to-share
28.27%
0th percentile

Growth

Member growth YoY
-1.25%
30th percentile
Asset growth YoY
8.76%
79th percentile
Loan growth YoY
-0.42%
24th percentile
Share growth YoY
7.12%
72th percentile

Operations

Members / branch
3,569
27th percentile
Assets / member
$32,281
96th percentile
Field of membership penetration
2.72%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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