PackageTrendsPeer
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Sovita

Flint, MI · Charter 60666

NCUA · 5 branches

Q2 2026

$592.0MAssets
$138.1MLoans
$501.3MShares
$95.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.11%, up 27 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.31% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.10%, up 15 bps from a year ago.
  • Funding: loans stand at 27.55% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.11%+27 bps YoY

Net Interest Margin (quarter, annualized)

2.53%+14 bps YoY

Efficiency Ratio (quarter, annualized)

63.57%-744 bps YoY

Net Worth / Assets

16.10%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.94%0.97%1.11%1.11%+27 bps
Return on Equity5.23%5.87%6.10%6.94%6.88%+165 bps
Net Interest Margin2.40%2.42%2.39%2.50%2.53%+14 bps
Efficiency Ratio71.01%67.89%66.55%63.65%63.57%-744 bps
Growth
Asset Growth (YoY)7.04%7.14%8.76%6.39%6.32%-72 bps
Loan Growth (YoY)3.07%2.03%-0.42%0.23%0.03%-303 bps
Share Growth (YoY)5.22%6.21%7.12%5.47%5.67%+45 bps
Asset Quality
Delinquent Loans / Loans0.32%0.24%0.14%0.30%0.31%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.95%16.06%15.97%15.94%16.10%+15 bps
Net Worth / Assets15.95%16.06%15.97%15.94%16.10%+15 bps
Liquidity & Funding
Loans / Shares29.10%28.94%28.27%27.72%27.55%-155 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps