Cove Federal Credit Union
Total assets
$78.8M
▼ -1.5% YoY
Shares & deposits
$68.9M
▲ +3.4% YoY
Loans
$52.7M
▼ -2.0% YoY
Members
6,390
▼ -2.9% YoY
ROA (annualized)
-19.37%
peers 0.60%
ROE (annualized)
-175.45%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.7 pts |
| Loan growth (YoY) | -2.0% | -2.4% | +0.4 pts |
| ROA | -19.37% | 0.60% | -20.0 pts |
| ROE | -175.4% | 4.1% | -179.5 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
Profile
- Established
- 1970
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 577 Dudley Rd, Edgewood, KY, 41017
- NCUA charter #
- 19879
- RSSD ID
- 692786
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.8M | $68.9M | $52.7M | $8.7M | $-3.8M | -19.37% | -13.56% | 1.19% | 6,390 |
| Q4 2025 | $77.9M | $64.2M | $53.8M | $12.6M | $440K | 0.56% | 3.39% | 0.27% | 6,464 |
| Q3 2025 | $79.8M | $66.1M | $54.6M | $12.4M | $289K | 0.48% | 3.30% | 0.13% | 6,511 |
| Q2 2025 | $80.3M | $66.8M | $53.8M | $12.3M | $172K | 0.43% | 3.20% | 1.04% | 6,546 |
| Q1 2025 | $80.1M | $66.7M | $53.7M | $12.3M | $93K | 0.47% | 3.16% | 0.15% | 6,579 |
| Q4 2024 | $77.6M | $64.3M | $54.4M | $12.2M | $439K | 0.57% | 3.29% | 0.97% | 6,601 |
| Q3 2024 | $77.6M | $64.6M | $55.1M | $12.2M | $390K | 0.67% | 3.30% | 1.63% | 6,683 |
| Q2 2024 | $77.7M | $64.6M | $56.0M | $12.0M | $218K | 0.56% | 3.24% | 0.09% | 6,747 |
Loan mix (Q1 2026): real estate $36.9M · commercial $0 · consumer $15.0M · securities $555K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -19.37% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -175.4% | 4.1% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | -13.56% | 3.83% | 0th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — | 81.5% | — | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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