BlastPoint's Credit Union Scorecard
SOVITA
Charter #60666 · MI
SOVITA has 6 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 33.4% in tier
- + Wallet Share Momentum: Top 33.4% in tier
- + ROA 0.42% above tier average
- + Net Worth Ratio: Top 3.6% in tier
- + Efficiency Ratio: Top 9.0% in tier
- + Net Charge-Off Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 63.2% in tier
- - Membership Headwinds: Bottom 63.2% in tier
- - Total Loans: Bottom 1.2% in tier
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Total Members: Bottom 2.4% in tier
- - Net Interest Margin (NIM): Bottom 3.6% in tier
- - Members Per Employee (MPE): Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,763
-1.0% YoY-0.5% QoQ
|
-20.3K |
38,079
-4.8% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
Bottom 1.8% in tier |
| Assets |
$587.2M
+6.4% YoY+1.9% QoQ
|
$-32.5M |
$619.7M
-0.2% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
35% |
| Loans |
$137.7M
+0.2% YoY+0.2% QoQ
|
$-281.6M |
$419.3M
-1.4% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.6% in tier |
| Deposits |
$496.9M
+5.5% YoY+2.2% QoQ
|
$-42.6M |
$539.5M
-0.1% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
1.1%
+63.3% YoY+12.3% QoQ
|
+0.4% |
0.7%
+36.0% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
2.5%
+6.0% YoY+3.3% QoQ
|
-1.0% |
3.5%
+4.5% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
63.6%
-15.5% YoY-4.4% QoQ
|
-14.7% |
78.4%
-3.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 9.0% in tier |
| Delinquency Rate |
0.3%
-4.9% YoY+120.3% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
23% |
| Loan To Share |
27.7%
-5.0% YoY-2.0% QoQ
|
-50.0% |
77.7%
-1.2% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.6% in tier |
| AMR |
$35,726
+5.4% YoY+2.3% QoQ
|
+$9K |
$26,927
+3.1% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
Top 11.4% in tier |
| CD Concentration |
19.6%
+18.3% YoY-0.3% QoQ
|
-4.7% | 24.3% | 18.6% | 19.8% | 34% |
| Indirect Auto % |
9.2%
-10.5% YoY-5.1% QoQ
|
-4.6% | 13.8% | 11.7% | 7.7% | 52% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)