BlastPoint's Credit Union Scorecard
COVANTAGE
Charter #66848 · WI
COVANTAGE has 6 strengths but faces 3 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
- + Organic Growth Engine: Top 3.3% in tier
- + Organic Growth Leader: Top 8.9% in tier
- + Relationship Depth Leader: Top 63.6% in tier
- + Profitability Leader: Top 76.6% in tier
- + ROA 0.36% above tier average
- + Strong member growth: 5.7% YoY
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.7% in tier
- - Indirect Auto Dependency: Bottom 25.7% in tier
- - Delinquency rate 0.26% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
180,821
+5.7% YoY+2.2% QoQ
|
-57.6K |
238,465
+0.6% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$4.0B
+7.7% YoY+5.0% QoQ
|
+$53.4M |
$4.0B
-0.1% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
51% |
| Loans |
$3.3B
+13.4% YoY+4.1% QoQ
|
+$246.8M |
$3.0B
+3.3% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
64% |
| Deposits |
$3.3B
+6.6% YoY+3.9% QoQ
|
$-15.2M |
$3.3B
+1.1% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
53% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+54.7% YoY+7.8% QoQ
|
+0.4% |
0.7%
+5.3% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
2.9%
+13.9% YoY+1.2% QoQ
|
-0.4% |
3.2%
+13.7% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
61.2%
-6.6% YoY-2.4% QoQ
|
-10.1% |
71.3%
-0.6% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.1%
-0.0% YoY+60.3% QoQ
|
+0.3 |
0.8%
+15.9% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
98.4%
+6.4% YoY+0.2% QoQ
|
+7.6% |
90.8%
+2.0% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$36,410
+3.9% YoY+1.8% QoQ
|
+$7K |
$29,088
+0.1% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 14.5% in tier |
| CD Concentration |
33.3%
+3.6% YoY+8.3% QoQ
|
+4.3% |
29.0%
+0.7% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
72% |
| Indirect Auto % |
18.2%
+4.9% YoY+7.9% QoQ
|
-0.6% |
18.8%
-3.0% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
54% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
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)