COVINGTON SCHOOLS
Charter #11950 · Andalusia, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 34.38% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -6.35% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 2.85% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.71% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 8.02% sits at the 93rd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COVINGTON SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.87M | 41th pct | 85th pct |
| Members | 1,527 | 26th pct | 59th pct |
| Net worth ratio | 34.38% | 99th pct | 80th pct |
| Return on average assets | -6.35% | 0th pct | 0th pct |
| Net interest margin | 2.85% | 13th pct | 2th pct |
| Cost of funds | 1.71% | 83th pct | 90th pct |
| Loan-to-share | 60.46% | 55th pct | 56th pct |
| Delinquency 60+ days | 8.02% | 99th pct | 93th pct |
| Net charge-off ratio | 10.26% | 100th pct | 98th pct |
| Loan growth YoY | -12.73% | 3th pct | 7th pct |
| Share growth YoY | 6.99% | 86th pct | 93th pct |
| Efficiency ratio | 160.73% | 100th pct | 98th pct |
structural peer set hash: b637e12764ae7f5d72acf4aba45edfee… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.