# SOVITA
Flint, MI · NCUA charter 60666 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sovita-60666

Who the members are: state charter, organized 1934. 17,763 members of 655,000 potential (2.7% of the field); checking penetration 73% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $587.2M |
| Members | 17,763 (-1.0% YoY) |
| Full-time staff | 49 |
| Net worth | $93.6M |
| Net worth ratio | 15.9% (p95 of band) |
| ROA (annualized) | 1.11% (p79 of band) |
| Total delinquency | 0.30% (p23 of band) |
| Net charge-offs (annualized) | 0.09% (p9 of band) |
| Loans / shares | 28% (p1 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.50% (p5 of band) |
| Operating expense / assets | 1.98% (p5 of band) |
| Vehicles % of loans | 27% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 31% (p31 of band) |
| Vehicle delinquency | 0.46% (p39 of band) |
| Vehicle NCO | 0.03% (p3 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 56% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 20% |
| Average share balance | $11,338 |
| Participations bought / yr | $19.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $53.8M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $12,328 |
| Loans granted, annualized | $44.7M |

## Participation posture (from the same filings)

Bought $19.7M and sold $0 in the latest annualized quarter; $53.8M outstanding purchased (57.4% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | delinquency 2x band |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 1 |  | net worth falling, delinquency 2x band |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | net worth falling | margin squeeze |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 0 |  | assets shrinking |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 0 |  | assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-01-13 [McLaren Flint's Community Connections-Free 3D Mammograms for Genesee County Women in Need - McLaren Health Care](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9BMThyajJkVDJlcVBXSnNoek1UR2g4ajdMS3VUbmlFeE8xRW1yTy1aaWJ1YzIweWpxNG5tR05PcEtUTm1ObnFKOXFJck9HbEZjcGNEdjJVLURHLTR1SWZJ?oc=5) · McLaren Health Care
- 2025-11-25 [Obituary | Joseph Eufinger - swartz funeral home](https://news.google.com/rss/articles/CBMibkFVX3lxTE5Qc29oRUFqZ3I0TWt6Qm4xVUJQZE1QWWw4SVdkWEFPZHJPeFo5Ym5qX0l5bm5ZTm4wUEh3ZDJYQUhpVTU0eVZOMXU4NTdMZThlajRTa2N3QWNHc2pPc29MaWNzaWh0TGVYUXU1aXFn?oc=5) · swartz funeral home
- 2024-08-09 [Genesee Health Plan honors local health care heroes at annual awards ceremony - theflintcouriernews.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQVF93OTl6ZTZzOVlPLUE4U25xNmJpbmdWcFJISFAtdzdLNngxTGxHUzdQT1FjVWpNbDNURGpCTXA2bWs1MTBDbGlqUVRaa1JfUy00TktUcW5yX3RBUnVxRGFiMHBlRFJmaUFzWHhydlRUbm9tR3FKbXl6MzNGbnAydG1VeEd3bXBnWHRQRGNRZGo5RzF6Z1FFOF81ZVVnQkJoSk12Nm10QTZ5VmJYQ255MzhR?oc=5) · theflintcouriernews.com
- 2023-09-24 [With 163 instruments donated, this Grand Blanc woman assures no student is left out of band - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2020-01-02 [Obituary | John Clothier of Flint, Michigan - swartz funeral home](https://news.google.com/rss/articles/CBMia0FVX3lxTE1mcFRsS19ZU296Qm1ndDZyak9BMVFyaUtWMmZZRVZjYk4zNW5WcjJJRmNDNFRjSzdMeTV3bVhLaFJsSTRTcFZLS2tBdzVxa185ZEVBNDl6TkdQTC1JRk01dU4wYmVHYTV2dW1F?oc=5) · swartz funeral home
- 2022-08-11 [Genesee Health Plan honors health care champions at annual awards ceremony - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2019-09-17 [Suspects stole 8 trucks, crashed into Flint-area ATM, police say - MLive.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxQUldiWHNCTUFPQnJwVl9ubUZieFFxZ0VzVW92OEZjVDhVU1doYy15OGpWbUQyVkswWWRuTmVUbXczYm1saXRvQkVIRlZ4bVQzbzFPV3hrTGI5bDZuNmxyZHVGdlpiaklESzAyZnFLR2c4ZzJrdGZpb3g0MlM0ekFndU51Y19jWUlPT001eEw4Nk43VVJmOVVSNkh5TkVialJUUXFxX01DcS1qaldz0gHAAUFVX3lxTE5lczVBWjlHb05QSkhUZXRmYnN2RzJjMkhwc1dKQkNVTldUbmg5dE9rZ3NtY05YUTVlQUFTbEQyZVU3MXI5MTJPVEZLMndySExJOEY4QTFZT3NYMlo5QjVxZjJKVDZjY3ZqR3ppcXVtaVBZY3RaNDN5aHUyZ1B3VXJhR2lKNkdTbmNUZW5pSXU4ZVQwak1RQVRDVWVlM2ZqczdfYmVmTUNPYVI3RThkb2NEYVdpNTh6MVNES0k0RkZ0Ng?oc=5) · MLive.com
- 2022-02-10 [Ready for liftoff: Michigan eighth graders to test blueberry decomposition in space - MLive.com](https://news.google.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?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60666 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/58.json (key "60666", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60666
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide