BlastPoint's Credit Union Scorecard
SOVITA
Charter #60666 · MI
SOVITA has 7 strengths but faces 6 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 32.6% in tier
- + Wallet Share Momentum: Top 68.2% in tier
- + ROA 0.33% above tier average
- + Total Delinquency Rate (60+ days): Top 2.4% in tier
- + Net Worth Ratio: Top 3.0% in tier
- + Efficiency Ratio: Top 8.5% in tier
- + Net Charge-Off Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 80.7% in tier
- - Stagnation Risk: Bottom 84.6% in tier
- - Total Loans: Bottom 0.6% 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
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,847
-1.2% YoY-0.2% QoQ
|
-20.7K |
38,575
-4.8% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
Bottom 1.8% in tier |
| Assets |
$576.1M
+8.8% YoY+2.3% QoQ
|
$-45.6M |
$621.7M
+0.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$137.4M
-0.4% YoY-0.3% QoQ
|
$-292.4M |
$429.8M
-1.8% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.0% in tier |
| Deposits |
$485.9M
+7.1% YoY+2.1% QoQ
|
$-52.8M |
$538.7M
+0.6% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
1.0%
+13.2% YoY+3.9% QoQ
|
+0.3% |
0.7%
+42.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
2.4%
+7.2% YoY-0.7% QoQ
|
-1.0% |
3.4%
+8.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
66.6%
-2.5% YoY-2.0% QoQ
|
-11.0% |
77.5%
-4.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate |
0.1%
-37.9% YoY-42.1% QoQ
|
-0.7 |
0.8%
-1.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.4% in tier |
| Loan To Share |
28.3%
-7.0% YoY-2.3% QoQ
|
-51.6% |
79.8%
-2.3% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.6% in tier |
| AMR |
$34,927
+6.7% YoY+1.7% QoQ
|
+$8K |
$26,849
+2.7% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
Top 12.7% in tier |
| CD Concentration |
19.6%
+21.1% YoY+6.1% QoQ
|
-4.8% | 24.4% | 18.6% | 19.8% | 34% |
| Indirect Auto % |
9.7%
-8.8% YoY-4.8% QoQ
|
-4.1% | 13.8% | 11.8% | 7.8% | 53% |
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)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)