BlastPoint's Credit Union Scorecard
COVE
Charter #19879 · KY
COVE has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 3.7% in tier
- + Total Members: Top 7.1% in tier
- + Total Deposits: Top 7.2% in tier
- + Total Assets: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 19.51% below tier average
- - Member decline: -2.9% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.1% in tier
- - First Mortgage Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,390
-2.9% YoY-1.1% QoQ
|
+3.7K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
Top 7.2% in tier |
| Assets |
$78.8M
-1.5% YoY+1.2% QoQ
|
+$48.6M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
Top 7.9% in tier |
| Loans |
$52.7M
-2.0% YoY-2.1% QoQ
|
+$37.4M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
Top 3.7% in tier |
| Deposits |
$68.9M
+3.4% YoY+7.4% QoQ
|
+$43.1M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
Top 7.2% in tier |
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| ROA |
-19.4%
-4185.4% YoY-3569.7% QoQ
|
-19.5% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.5% in tier |
| NIM |
-13.6%
-522.9% YoY-504.9% QoQ
|
-17.6% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.1% in tier |
| Efficiency Ratio | - | - |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
- |
| Delinquency Rate |
1.2%
+673.2% YoY+333.2% QoQ
|
-0.3 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
76.4%
-5.2% YoY-8.9% QoQ
|
+17.9% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$19,026
+4.0% YoY+4.3% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
23.5%
-7.7% YoY-7.3% QoQ
|
-0.7% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)