BlastPoint's Credit Union Scorecard
COVINGTON SCHOOLS
Charter #11950 · AL
COVINGTON SCHOOLS has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 6.41% above tier average
- + Deposit Growth Rate: Top 3.0% in tier
- + Net Worth Ratio: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 155.56% above tier (higher cost structure)
- - Delinquency rate 4.57% above tier average
- - Loan Growth Rate: Bottom 3.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 52 that size in Alabama.
- Shares and deposits +16.1% year over year ($15.2M in shares and deposits).
- Membership: 1,606 members, +0.2% vs a year ago.
- Delinquency rate 6.12%.
- Return on assets 7.90%.
- Efficiency ratio 244.32% vs a 88.77% peer average.
- Loan-to-share ratio 52.46% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,606
+0.2% YoY+5.2% QoQ
|
-979 |
2,585
-1.7% YoY
|
28,281
-1.7% YoY
|
34,678
+6.6% YoY
|
43% |
| Assets |
$22.4M
+4.3% YoY+2.3% QoQ
|
$-7.9M |
$30.3M
+1.5% YoY
|
$459.0M
+7.0% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$8.0M
-27.1% YoY-7.7% QoQ
|
$-7.5M |
$15.5M
-1.7% YoY
|
$266.3M
+5.7% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$15.2M
+16.1% YoY+6.3% QoQ
|
$-10.6M |
$25.8M
+1.1% YoY
|
$400.1M
+6.1% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
7.9%
-1720.9% YoY-224.4% QoQ
|
+6.4% |
1.5%
+241.5% YoY
|
1.1%
+39.6% YoY
|
1.2%
+121.4% YoY
|
Top 1.1% in tier |
| NIM |
2.9%
-14.2% YoY+2.0% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
3.7%
+1.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio |
244.3%
+546.0% YoY+52.0% QoQ
|
+155.6% |
88.8%
-6.9% YoY
|
82.1%
+5.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
6.1%
-9.8% YoY-23.8% QoQ
|
+4.6 |
1.5%
+2.1% YoY
|
1.4%
-5.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.7% in tier |
| Loan To Share |
52.5%
-37.2% YoY-13.2% QoQ
|
-6.4% |
58.9%
-3.1% YoY
|
59.3%
-1.7% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$14,441
-3.7% YoY-4.0% QoQ
|
$-521 |
$14,963
-6.8% YoY
|
$17,701
+4.0% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
34.6%
+58.7% YoY+9.8% QoQ
|
+10.0% | 24.6% | 21.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 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)