BlastPoint's Credit Union Scorecard

SOVITA

Charter #60666 · MI

Community 500M-750M

169 CUs in 500M-750M nationally 9 in MI

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SOVITA has 5 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 29.3% in tier
+ Credit Quality Leader: Top 51.6% in tier
+ Wallet Share Momentum: Top 61.5% in tier
+ ROA 0.29% above tier average
+ Net Worth Ratio: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 8.6% in tier
- Membership Headwinds: Bottom 24.9% in tier
- Credit Quality Pressure: Bottom 27.8% in tier
- Credit Risk Growth: Bottom 28.9% in tier
- Liquidity Overhang: Bottom 50.4% in tier
- Total Loans: Bottom 0.6% in tier
- Loan-to-Share Ratio: Bottom 1.2% in tier
- Total Members: Bottom 3.0% in tier
- Net Interest Margin (NIM): Bottom 4.1% in tier
- Members Per Employee (MPE): Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	17,882 -1.4% YoY-0.0% QoQ	-21.9K	39,752 -2.7% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	Bottom 2.4% in tier
Assets	$563.3M +7.1% YoY+1.2% QoQ	$-59.1M	$622.4M +0.3% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	28%
Loans	$137.8M +2.0% YoY-0.2% QoQ	$-298.2M	$435.9M -0.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	Bottom 0.0% in tier
Deposits	$476.1M +6.2% YoY+0.4% QoQ	$-61.9M	$538.0M +1.3% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	20%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +1.3% YoY+13.2% QoQ	+0.3%	0.7% +33.9% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	73%
NIM	2.4% +8.0% YoY+1.0% QoQ	-1.0%	3.4% +8.6% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	Bottom 3.6% in tier
Efficiency Ratio	67.9% +1.2% YoY-4.4% QoQ	-10.2%	78.1% -3.4% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Bottom 11.8% in tier
Delinquency Rate	0.2% +7.7% YoY-25.4% QoQ	-0.6	0.8% -4.9% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	Bottom 10.1% in tier
Loan To Share	28.9% -3.9% YoY-0.6% QoQ	-52.1%	81.0% -1.8% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	Bottom 0.6% in tier
AMR	$34,332 +6.8% YoY+0.3% QoQ	+$8K	$26,482 +2.6% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	Top 11.8% in tier
CD Concentration	18.5% +22.9% YoY+8.7% QoQ	-5.9%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	29%
Indirect Auto %	10.2% -8.1% YoY+0.5% QoQ	-3.8%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	54%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#76 of 257 • Top 29.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.76%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.6K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Credit Quality Leader

growth

#176 of 340 • Top 51.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.24%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#296 of 481 • Top 61.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.76%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#143 of 550 • Bottom 8.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 2.03%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.24%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline

#411 of 550 • Bottom 24.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#689 of 736 • Bottom 27.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#433 of 446 • Bottom 28.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.03%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk

#68 of 134 • Bottom 50.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.06%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 28.94%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 281 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (9 metrics)

Net Worth Ratio

risk

Value: 16.06%

Peer Avg: -

#7 of 169 Top 3.6% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Avg: -

#18 of 169 Top 10.1% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $34,332

Peer Avg: -

#20 of 169 Top 11.2% in 500M-750M tier

Efficiency Ratio

profitability

Value: 67.89%

Peer Avg: -

#21 of 169 Top 11.8% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.10%

Peer Avg: -

#21 of 169 Top 11.8% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.51%

Peer Avg: -

#26 of 169 Top 14.8% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.73%

Peer Avg: -

#34 of 169 Top 19.5% in 500M-750M tier

AMR Growth Rate

growth

Value: 6.76%

Peer Avg: -

#36 of 169 Top 20.7% in 500M-750M tier

Asset Growth Rate

growth

Value: 7.14%

Peer Avg: -

#38 of 169 Top 21.9% in 500M-750M tier

Top Weaknesses (7 metrics)

169

Total Loans

balance_sheet

Value: $137.79M

Peer Avg: -

#169 of 169 Bottom 0.6% in 500M-750M tier

168

Loan-to-Share Ratio

balance_sheet

Value: 28.94%

Peer Avg: -

#168 of 169 Bottom 1.2% in 500M-750M tier

165

Total Members

engagement

Value: 17,882

Peer Avg: -

#165 of 169 Bottom 3.0% in 500M-750M tier

163

Net Interest Margin (NIM)

profitability

Value: 2.43%

Peer Avg: -

#163 of 169 Bottom 4.1% in 500M-750M tier

156

Members Per Employee (MPE)

engagement

Value: 238.427

Peer Avg: -

#156 of 169 Bottom 8.3% in 500M-750M tier

147

Loan-to-Member Ratio (LMR)

engagement

Value: $7,705

Peer Avg: -

#147 of 169 Bottom 13.6% in 500M-750M tier

135

Total Deposits

balance_sheet

Value: $476.14M

Peer Avg: -

#135 of 169 Bottom 20.7% in 500M-750M tier