BlastPoint's Credit Union Scorecard
COVANTAGE
Charter #66848 · WI
COVANTAGE has 3 strengths but faces 5 concerns
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 36.8% in tier
- + ROA 0.45% above tier average
- + Strong member growth: 6.0% YoY
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.3% in tier
- - Credit Risk Growth: Bottom 16.1% in tier
- - Indirect Auto Dependency: Bottom 17.9% in tier
- - Liquidity Strain: Bottom 18.8% in tier
- - Delinquency rate 0.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
184,471
+6.0% YoY+0.5% QoQ
|
-36.0K |
220,435
-7.6% YoY
|
39,491
+5.5% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$4.2B
+9.6% YoY+2.1% QoQ
|
+$269.8M |
$3.9B
-1.5% YoY
|
$762.9M
+12.1% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$3.4B
+11.9% YoY+0.3% QoQ
|
+$479.9M |
$2.9B
-1.1% YoY
|
$579.7M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$3.5B
+9.1% YoY+2.6% QoQ
|
+$196.3M |
$3.3B
-2.5% YoY
|
$643.6M
+11.9% YoY
|
$494.3M
+9.1% YoY
|
58% |
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| ROA |
1.2%
+35.8% YoY+11.3% QoQ
|
+0.4% |
0.7%
+10.6% YoY
|
0.3%
+1.8% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
2.9%
+8.5% YoY+4.4% QoQ
|
-0.3% |
3.2%
+4.6% YoY
|
3.4%
+8.2% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
61.3%
-5.1% YoY+1.0% QoQ
|
-10.0% |
71.3%
-2.6% YoY
|
77.2%
-0.5% YoY
|
84.6%
+2.8% YoY
|
Top 12.8% in tier |
| Delinquency Rate |
1.1%
+75.7% YoY-13.2% QoQ
|
+0.4 |
0.7%
+9.2% YoY
|
0.7%
-8.9% YoY
|
1.2%
+3.4% YoY
|
81% |
| Loan To Share |
96.5%
+2.5% YoY-2.2% QoQ
|
+8.5% |
88.0%
+0.9% YoY
|
78.6%
-0.5% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$37,226
+4.2% YoY+1.0% QoQ
|
+$7K |
$30,672
+5.5% YoY
|
$24,071
+7.1% YoY
|
$19,920
+1.6% YoY
|
81% |
| CD Concentration |
34.0%
+7.5% YoY+0.9% QoQ
|
+5.2% | 28.8% | 21.6% | 19.8% | 73% |
| Indirect Auto % |
18.1%
+7.2% YoY-1.6% QoQ
|
+0.0% | 18.1% | 8.0% | 7.7% | 56% |
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 Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)