Side-by-side · Q2 2026 data
Sovita Credit Union vs Michigan United Credit Union
Metric by metric
| Measure | Sovita Credit Union | Michigan United Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 70 |
| Loan quality | 90 | 97 (stronger) |
| Earnings | 64 (stronger) | 40 |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 95th | 68th |
| Total assets | $592.0M | $349.3M |
| Deposits / shares | $501.3M | $305.0M |
| Capital ratio | 16.10% (stronger) | 11.98% |
| Problem loans | 0.31% | 0.10% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.45% |
| Return on assets | 1.11% (stronger) | 0.51% |
| Loans ÷ deposits | 27.5% (stronger) | 72.5% |
| Uninsured deposits | 5.0% | 3.9% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | 14.1% |
Sovita Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Sovita Credit Union leads on 5 and Michigan United Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.