BlastPoint's Credit Union Scorecard

SOVITA

Charter #60666 · MI

Community 500M-750M

165 CUs in 500M-750M nationally 10 in MI

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SOVITA has 5 strengths but faces 8 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 27.9% in tier
+ Wallet Share Momentum: Top 27.9% in tier
+ ROA 0.30% above tier average
+ Net Worth Ratio: Top 3.6% in tier
+ Net Charge-Off Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 10.5% in tier
- Membership Headwinds: Bottom 71.1% in tier
- Stagnation Risk: Bottom 71.1% in tier
- Loan-to-Share Ratio: Bottom 1.2% in tier
- Total Loans: Bottom 1.8% in tier
- Total Members: Bottom 2.4% in tier
- Net Interest Margin (NIM): Bottom 3.0% in tier
- Members Per Employee (MPE): Bottom 4.2% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in Michigan.
Shares and deposits +5.7% year over year ($501M in shares and deposits).
Membership: 17,583 members, -1.7% vs a year ago.
Delinquency rate 0.31%.
Return on assets 1.11%.
Efficiency ratio 63.57% vs a 76.56% peer average.
Loan-to-share ratio 27.55% vs a 79.33% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	17,583 -1.7% YoY-1.0% QoQ	-20.3K	37,897 -5.0% YoY	36,289 +5.9% YoY	34,678 +6.6% YoY	Bottom 1.8% in tier
Assets	$592.0M +6.3% YoY+0.8% QoQ	$-30.4M	$622.4M +0.6% YoY	$717.2M +13.9% YoY	$593.1M +10.2% YoY	38%
Loans	$138.1M +0.0% YoY+0.3% QoQ	$-290.4M	$428.5M -0.7% YoY	$498.6M +13.7% YoY	$418.6M +10.1% YoY	Bottom 1.2% in tier
Deposits	$501.3M +5.7% YoY+0.9% QoQ	$-38.5M	$539.8M +0.9% YoY	$610.4M +14.2% YoY	$504.8M +10.3% YoY	33%

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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	1.1% +32.8% YoY+0.5% QoQ	+0.3%	0.8% +39.5% YoY	1.0% +47.3% YoY	1.2% +121.4% YoY	76%
NIM	2.5% +5.6% YoY+1.8% QoQ	-1.0%	3.5% +5.0% YoY	3.8% +4.4% YoY	3.8% +2.3% YoY	Bottom 2.4% in tier
Efficiency Ratio	63.6% -10.5% YoY-0.1% QoQ	-13.0%	76.6% -3.6% YoY	74.6% -8.6% YoY	83.0% -5.3% YoY	Top 10.9% in tier
Delinquency Rate	0.3% -1.4% YoY+3.7% QoQ	-0.5	0.8% +3.1% YoY	0.9% +9.0% YoY	1.3% +2.6% YoY	16%
Loan To Share	27.5% -5.3% YoY-0.6% QoQ	-51.8%	79.3% -1.4% YoY	66.6% +0.6% YoY	66.4% -1.4% YoY	Bottom 0.6% in tier
AMR	$36,365 +6.2% YoY+1.8% QoQ	+$9K	$27,294 +4.1% YoY	$23,154 +6.0% YoY	$20,028 -0.9% YoY	Top 11.5% in tier
CD Concentration	19.7% +15.4% YoY+0.3% QoQ	-4.9%	24.6%	18.8%	20.0%	32%
Indirect Auto %	8.5% -15.7% YoY-7.1% QoQ	-5.1%	13.6%	11.7%	7.7%	51%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#102 of 262 • Top 27.9% 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): 6.21%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $5.0K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 276 Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#360 of 483 • Top 27.9% in tier

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

Why This Signature

AMR Growth (YoY): 6.21%

(Tier: 3.97%, National: 35.20%)

better than tier avg

635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (3)

Liquidity Overhang

risk

#70 of 130 • Bottom 10.5% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.10%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 27.55%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 276 Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | New qualifier

Membership Headwinds

decline

#374 of 549 • Bottom 71.1% in tier

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

Why This Signature

Member Growth (YoY): -1.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Stagnation Risk

risk

#408 of 549 • Bottom 71.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.71%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 0.03%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.31%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 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 165 peers in tier

Top Strengths (8 metrics)

Net Worth Ratio

risk

Value: 16.10%

Peer Median: 10.42%

#7 of 165 Top 3.6% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.41%

#14 of 165 Top 7.9% in 500M-750M tier

Efficiency Ratio

profitability

Value: 63.57%

Peer Median: 77.45%

#19 of 165 Top 10.9% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $36,365

Peer Median: $25,725

#19 of 165 Top 10.9% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.19%

Peer Median: 34.05%

#25 of 165 Top 14.5% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.70%

#27 of 165 Top 15.8% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.65%

Peer Median: 26.69%

#35 of 165 Top 20.6% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.11%

Peer Median: 0.74%

#40 of 165 Top 23.6% in 500M-750M tier

Top Weaknesses (7 metrics)

164

Loan-to-Share Ratio

balance_sheet

Value: 27.55%

Peer Median: 81.50%

#164 of 165 Bottom 1.2% in 500M-750M tier

163

Total Loans

balance_sheet

Value: $138.10M

Peer Median: $428.72M

#163 of 165 Bottom 1.8% in 500M-750M tier

162

Total Members

engagement

Value: 17,583

Peer Median: 36,716

#162 of 165 Bottom 2.4% in 500M-750M tier

161

Net Interest Margin (NIM)

profitability

Value: 2.54%

Peer Median: 3.55%

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

159

Members Per Employee (MPE)

engagement

Value: 222.570

Peer Median: 313.721

#159 of 165 Bottom 4.2% in 500M-750M tier

145

Loan-to-Member Ratio (LMR)

engagement

Value: $7,854

Peer Median: $11,477

#145 of 165 Bottom 12.7% in 500M-750M tier

129

Loan Growth Rate

growth

Value: 0.03%

Peer Median: 4.82%

#129 of 165 Bottom 22.4% in 500M-750M tier