BlastPoint's Credit Union Scorecard
COVINGTON SCHOOLS
Charter #11950 · AL
COVINGTON SCHOOLS has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.8% in tier
- + Efficiency Ratio: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.33% below tier average
- - Delinquency rate 5.99% above tier average
- - Fee Income Per Member: Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 5.3% in tier
- - AMR Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,671
+3.1% YoY+4.2% QoQ
|
-954 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$21.6M
+1.8% YoY+0.6% QoQ
|
$-8.3M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$9.9M
-21.2% YoY-9.4% QoQ
|
$-5.9M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$13.4M
+2.3% YoY+2.0% QoQ
|
$-12.1M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
-0.7%
-126.2% YoY+33.6% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.7% in tier |
| NIM |
2.9%
-18.9% YoY-15.3% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio |
44.0%
+30.2% YoY+16.3% QoQ
|
-37.4% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate |
7.5%
+66.0% YoY+10.5% QoQ
|
+6.0 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 3.1% in tier |
| Loan To Share |
74.1%
-23.0% YoY-11.2% QoQ
|
+12.9% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$13,936
-12.0% YoY-7.1% QoQ
|
$-691 |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
20.2%
-5.7% YoY-7.1% QoQ
|
-4.2% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)