BlastPoint's Credit Union Scorecard
COVE
Charter #19879 · KY
COVE has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 3.9% in tier
- + Total Members: Top 7.4% in tier
- + Total Assets: Top 8.6% in tier
- + Total Deposits: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Efficiency ratio 4.07% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - First Mortgage Concentration (%): Bottom 6.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,464
-2.1% YoY-0.7% QoQ
|
+3.8K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 7.4% in tier |
| Assets |
$77.9M
+0.4% YoY-2.3% QoQ
|
+$47.8M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Top 8.6% in tier |
| Loans |
$53.8M
-1.1% YoY-1.5% QoQ
|
+$38.0M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
Top 4.0% in tier |
| Deposits |
$64.2M
-0.2% YoY-2.9% QoQ
|
+$38.5M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Top 9.8% in tier |
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| ROA |
0.6%
-1.2% YoY+16.0% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
3.4%
+1.7% YoY+1.9% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
86.6%
+6.4% YoY-2.0% QoQ
|
+4.1% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.3%
-71.8% YoY+115.5% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
83.8%
-0.9% YoY+1.5% QoQ
|
+23.2% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$18,250
+1.5% YoY-1.6% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
25.4%
+3.9% YoY-3.6% QoQ
|
+1.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)