SOVITA
Charter #60666 · Flint, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.94% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.08% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 51st — a 49-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SOVITA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $587.16M | 21th pct | 61th pct |
| Members | 17,763 | 2th pct | 51th pct |
| Net worth ratio | 15.94% | 95th pct | 75th pct |
| Return on average assets | 1.12% | 78th pct | 66th pct |
| Net interest margin | 2.52% | 4th pct | 26th pct |
| Cost of funds | 0.08% | 5th pct | 5th pct |
| Loan-to-share | 27.72% | 0th pct | 11th pct |
| Delinquency 60+ days | 0.30% | 23th pct | 46th pct |
| Net charge-off ratio | 0.09% | 9th pct | 28th pct |
| Loan growth YoY | -0.04% | 39th pct | 61th pct |
| Share growth YoY | 4.35% | 55th pct | 57th pct |
| Efficiency ratio | 63.65% | 12th pct | 36th pct |
structural peer set hash: 603bc361f85fbb7e62e6f9db7195c626… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.