The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (88 → 90), mostly because the earnings component improved by 11 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Michigan

Yes. Sovita Credit Union is a federally insured credit union (NCUA charter #60666). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.0% of shares and deposits ($25.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Sovita Credit Union lists 5 offices in 4 cities. Most locations:

• Flint, MI (2)
• Burton, MI (1)
• Grand Blanc, MI (1)
• Lapeer, MI (1)

All branch addresses and map

In 2025, Sovita Credit Union reported 100 home-loan applications under HMDA (LEI 54930038EHCQQEFKUW36): 84 originated ($5,900,000 total), 6 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Sovita Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

60666

RSSD ID

521194

Primary regulator

State + NCUA

Established

1934

Headquarters

PO Box 320830, Flint, MI 48532

Employees

79