| Metric | CoVantage Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +5.1% | +4.5 pts |
| Share growth (YoY) | +9.1% | +4.9% | +4.2 pts |
| Loan growth (YoY) | +11.9% | +5.4% | +6.4 pts |
| ROA | 1.18% | 0.71% | +0.5 pts |
| ROE | 12.4% | 6.3% | +6.1 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.19B | $3.49B | $3.37B | $398.2M | $12.3M | 1.18% | 2.94% | 1.13% | 184,471 |
| Q4 2025 | $4.10B | $3.41B | $3.36B | $385.9M | $43.0M | 1.05% | 2.79% | 1.30% | 183,625 |
| Q3 2025 | $4.02B | $3.32B | $3.27B | $375.8M | $32.7M | 1.08% | 2.78% | 1.10% | 180,821 |
| Q2 2025 | $3.83B | $3.19B | $3.14B | $362.8M | $19.7M | 1.03% | 2.81% | 0.69% | 176,994 |
| Q1 2025 | $3.82B | $3.20B | $3.02B | $351.3M | $8.2M | 0.86% | 2.68% | 0.64% | 174,063 |
| Q4 2024 | $3.73B | $3.13B | $2.92B | $343.1M | $24.2M | 0.65% | 2.41% | 0.82% | 171,890 |
| Q3 2024 | $3.74B | $3.11B | $2.88B | $338.9M | $19.9M | 0.71% | 2.48% | 1.10% | 171,049 |
| Q2 2024 | $3.67B | $3.09B | $2.83B | $330.2M | $11.2M | 0.61% | 2.48% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | CoVantage Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.71% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 6.3% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.05% |
| 169,265 |
Loan mix (Q1 2026): real estate $1.49B · commercial $894.7M · consumer $901.5M · securities $450.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 73.0% | 13th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | CoVantage Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | CoVantage Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | CoVantage Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | CoVantage Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.