BlastPoint's Credit Union Scorecard
COVINGTON SCHOOLS
Charter #11950 · AL
COVINGTON SCHOOLS has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 3.7% in tier
- + Deposit Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 6.50% below tier average
- - Efficiency ratio 70.09% above tier (higher cost structure)
- - Delinquency rate 6.52% above tier average
- - Member decline: -4.7% YoY
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,527
-4.7% YoY-6.1% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$21.9M
+1.8% YoY-0.1% QoQ
|
$-8.3M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$8.7M
-26.5% YoY-6.8% QoQ
|
$-6.6M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$14.3M
+10.5% YoY+3.2% QoQ
|
$-11.5M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
-6.4%
-363.6% YoY+577.0% QoQ
|
-6.5% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.4% in tier |
| NIM |
2.9%
-22.4% YoY-1.8% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.4% in tier |
| Efficiency Ratio |
160.7%
+325.1% YoY+111.3% QoQ
|
+70.1% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
8.0%
+215.2% YoY-15.9% QoQ
|
+6.5 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.1% in tier |
| Loan To Share |
60.5%
-33.5% YoY-9.7% QoQ
|
+2.0% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$15,035
-2.5% YoY+5.7% QoQ
|
+$151 |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
31.5%
+56.8% YoY+20.4% QoQ
|
+7.2% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)