COVE
Charter #19879 · Edgewood, KY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -19.48% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of -13.64% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 20.45% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of -44.82% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 89th — a 21-point gap showing why the peer definition matters.
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 | COVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $78.83M | 66th pct | 52th pct |
| Members | 6,390 | 72th pct | 72th pct |
| Net worth ratio | 11.04% | 31th pct | 48th pct |
| Return on average assets | -19.48% | 0th pct | 0th pct |
| Net interest margin | -13.64% | 0th pct | 0th pct |
| Cost of funds | 20.45% | 100th pct | 98th pct |
| Loan-to-share | 76.40% | 79th pct | 59th pct |
| Delinquency 60+ days | 1.19% | 77th pct | 69th pct |
| Net charge-off ratio | 0.06% | 26th pct | 28th pct |
| Loan growth YoY | -3.61% | 30th pct | 21th pct |
| Share growth YoY | 4.26% | 68th pct | 89th pct |
| Efficiency ratio | -44.82% | 0th pct | 0th pct |
structural peer set hash: 4b9648c7bdfd436a4847ccbcf25bc9fc… (reproducible)
Closest structural peers
This is the free public view
Claim COVE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.