COVENANT SAVINGS
Charter #24532 · Killeen, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.69% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.63% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.01% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.03% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 | COVENANT SAVINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.67M | 47th pct | 21th pct |
| Members | 1,203 | 89th pct | 66th pct |
| Net worth ratio | 13.65% | 30th pct | 34th pct |
| Return on average assets | 1.69% | 86th pct | 90th pct |
| Net interest margin | 4.63% | 68th pct | 84th pct |
| Cost of funds | 0.01% | 12th pct | 3th pct |
| Loan-to-share | 77.38% | 74th pct | 72th pct |
| Delinquency 60+ days | 0.33% | 37th pct | 54th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -3.14% | 60th pct | 56th pct |
| Share growth YoY | 0.27% | 51th pct | 48th pct |
| Efficiency ratio | 68.03% | 23th pct | 11th pct |
structural peer set hash: b0607d44f1aa3800d3dae8fd0d3a6008… (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.