State credit union · Flint, Michigan · NCUA charter #60666
SOVITA
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $576.1M
- Total assets
- 17,847
- Members
- 15.9%
- Net-worth ratio
SOVITA scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $576.1M; members 17,847; net-worth ratio 15.94%; health rank #1,919 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,919 of 4,374 health · 2025Q4SOVITA · health 85/100 · $576.1M · 2025Q4
Call Report peers
SOVITA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SOVITA vs every NCUA-scored credit union
SOVITA sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SOVITA vs Over $500M peers
- Net Worth Ratio leads the peer set - 15.94% here, 11.18% peer average (+4.76 pp).
- Loan-to-Share Ratio trails the peer set - 28.27% here, 83.90% peer average (-55.63 pp).
SOVITA in Michigan
- Michigan health ordinal: #96 of 171.
- By total assets, SOVITA is #44 of 171 in Michigan.
- Membership ranks #70 of 171 among Michigan CUs with a reported count (17,847 members).
- One place up in Michigan, Consumers Professional (#95) ties at 85/100; one place down, Blue Water (#97) ties at 85/100.
SOVITA: 2025Q4 → 2026Q1
SOVITA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $576.1M (2025Q4) to $587.2M (2026Q1).
- Net-worth ratio shifted -0.03 pp (15.97% → 15.94%).
At 15.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
SOVITA gives up 15 points in total. Member Growth costs the most, 8.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 8.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.94% | +4.76 pp |
| Delinquency Rate | 0.14% | -0.74 pp |
| Return on Assets | 0.80% | +0.29 pp |
| Member Growth | -1.25% | - |
| Loan-to-Share Ratio | 28.27% | -55.63 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
SOVITA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $587.2M | - |
| 2025Q4 | $576.1M | 17,847 |
| 2024Q4 | $529.7M | 18,072 |
| 2023Q4 | $508.7M | 18,443 |
Credit Union Details
- Charter Number
- 60666
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Flint
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, SOVITA runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| Calkins Rd (Main Office) | Flint, MI |
| Court St | Burton, MI |
| University Ave | Flint, MI |
| Regency Park | Grand Blanc, MI |
| Lapeer | Lapeer, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
SOVITA nationwide neighbourhoods
Using this data
- SOVITA ranks #1,919 of 4,374 nationally on financial health and #96 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Diversified Members is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Diversified Members
Frequently Asked Questions
Is SOVITA financially healthy?
On its 2025Q4 NCUA 5300 filing, SOVITA scores 85/100 (Excellent), with a 15.94% net worth ratio and 0.14% of loans delinquent. It ranks #1,919 of 4,374 nationally on health and #96 of 171 in Michigan.
How does SOVITA compare to other credit unions?
SOVITA scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.94% vs 11.18%). Its widest shortfall is loan-to-share ratio (28.27% vs 83.90%).
How can I join SOVITA?
Membership eligibility for SOVITA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SOVITA directly for current membership requirements and application steps.
Is my money safe at SOVITA?
SOVITA is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SOVITA's net worth ratio of 15.94% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.