Sovita
Flint, MI · Charter 60666 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$592.0MAssets
$138.1MLoans
$501.3MShares
$95.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 85% of credit unions under $1B in assets (rank 256 of 1682).
- Widest gap: net interest margin trails 96% of credit unions under $1B in assets (rank 1612 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.11%
Rank 492 of 1,683
Net Interest Margin
2.53%
Rank 1,612 of 1,683
Efficiency Ratio
63.58%
Rank 256 of 1,682
Equity / Assets
16.10%
Rank 454 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.35% | 0.74% | 1.18% | Beats 71% | 492 / 1,683 | |
| Return on Equity | 6.88% | 2.67% | 5.89% | 8.74% | Beats 60% | 677 / 1,681 | |
| Net Interest Margin | 2.53% | 3.31% | 3.82% | 4.32% | Beats 4% | 1,612 / 1,683 | |
| Efficiency Ratio | 63.58% | 68.91% | 78.20% | 86.93% | Beats 85% | 256 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 71% | 481 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.10% | 10.44% | 12.89% | 16.53% | Beats 73% | 454 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.10% | 10.44% | 12.89% | 16.53% | Beats 73% | 454 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 27.55% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,614 / 1,683 | |
| Loans / Assets | 23.33% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,609 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |