BlastPoint's Credit Union Scorecard
COVANTAGE
Charter #66848 · WI
COVANTAGE has 3 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 38.2% in tier
- + ROA 0.26% above tier average
- + Strong member growth: 5.1% YoY
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.3% in tier
- - Indirect Auto Dependency: Bottom 19.9% in tier
- - Liquidity Strain: Bottom 21.6% in tier
- - Credit Risk Growth: Bottom 29.0% in tier
- - Delinquency rate 0.44% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 5 that size in Wisconsin.
- Shares and deposits +10.0% year over year ($3.51B in shares and deposits).
- Membership: 186,054 members, +5.1% vs a year ago.
- Delinquency rate 1.28%.
- Return on assets 1.19%.
- Efficiency ratio 60.74% vs a 69.45% peer average.
- Loan-to-share ratio 97.57% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
186,054
+5.1% YoY+0.9% QoQ
|
-30.5K |
216,545
-9.5% YoY
|
40,085
+5.1% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$4.2B
+9.7% YoY+0.5% QoQ
|
+$304.5M |
$3.9B
-1.6% YoY
|
$782.0M
+12.1% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$3.4B
+9.3% YoY+1.6% QoQ
|
+$496.6M |
$2.9B
-1.2% YoY
|
$600.2M
+11.1% YoY
|
$418.6M
+10.1% YoY
|
77% |
| Deposits |
$3.5B
+10.0% YoY+0.5% QoQ
|
+$255.8M |
$3.3B
-2.6% YoY
|
$658.6M
+12.2% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
1.2%
+15.6% YoY+1.1% QoQ
|
+0.3% |
0.9%
+25.3% YoY
|
1.0%
+81.4% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
2.9%
+4.3% YoY-0.1% QoQ
|
-0.3% |
3.2%
+3.8% YoY
|
3.7%
+9.7% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
60.7%
-3.1% YoY-1.0% QoQ
|
-8.7% |
69.5%
-2.3% YoY
|
75.5%
-0.0% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
1.3%
+86.4% YoY+13.3% QoQ
|
+0.4 |
0.8%
+5.5% YoY
|
0.8%
-17.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
97.6%
-0.6% YoY+1.1% QoQ
|
+7.3% |
90.2%
+0.9% YoY
|
79.3%
-0.8% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$37,305
+4.3% YoY+0.2% QoQ
|
+$6K |
$31,018
+6.9% YoY
|
$24,272
+7.8% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
34.0%
+10.5% YoY-0.2% QoQ
|
+4.9% | 29.1% | 21.6% | 20.0% | 72% |
| Indirect Auto % |
17.4%
+3.1% YoY-3.8% QoQ
|
-0.7% | 18.1% | 8.4% | 7.7% | 54% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)