BlastPoint's Credit Union Scorecard
COVINGTON SCHOOLS
Charter #11950 · AL
COVINGTON SCHOOLS has 2 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 2.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.56% below tier average
- - Delinquency rate 7.98% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
- - Loan Growth Rate: Bottom 3.8% in tier
- - Fee Income Per Member: Bottom 6.4% in tier
- - AMR Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,627
+0.7% YoY-2.6% QoQ
|
-988 |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$21.9M
+5.2% YoY+1.4% QoQ
|
$-8.3M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$9.3M
-24.1% YoY-6.4% QoQ
|
$-6.5M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$13.9M
+7.1% YoY+3.7% QoQ
|
$-11.8M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
43% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.9%
-136.0% YoY+44.1% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.1% in tier |
| NIM |
2.9%
-20.8% YoY+1.2% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
76.1%
+124.3% YoY+73.0% QoQ
|
-6.5% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
9.5%
+169.3% YoY+27.2% QoQ
|
+8.0 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Top 2.4% in tier |
| Loan To Share |
66.9%
-29.1% YoY-9.7% QoQ
|
+6.3% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$14,226
-8.7% YoY+2.1% QoQ
|
$-557 |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
26.1%
+19.6% YoY+29.2% QoQ
|
+1.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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)