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 3.5% in tier
- + Total Members: Top 7.4% in tier
- + Total Assets: Top 7.6% in tier
- + Total Deposits: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 7.03% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - First Mortgage Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,511
-2.6% YoY-0.5% QoQ
|
+3.9K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
Top 7.4% in tier |
| Assets |
$79.8M
+2.8% YoY-0.6% QoQ
|
+$49.9M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
Top 7.7% in tier |
| Loans |
$54.6M
-0.9% YoY+1.6% QoQ
|
+$38.9M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Top 3.6% in tier |
| Deposits |
$66.1M
+2.4% YoY-1.0% QoQ
|
+$40.6M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
Top 8.6% in tier |
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| ROA |
0.5%
-28.2% YoY+12.4% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.3%
-0.4% YoY+2.6% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
88.4%
+11.5% YoY+2.0% QoQ
|
+7.0% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.1%
-92.2% YoY-87.7% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
82.6%
-3.2% YoY+2.6% QoQ
|
+21.4% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$18,543
+3.5% YoY+0.7% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
26.3%
+15.1% YoY+2.7% QoQ
|
+1.9% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% 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)