COVANTAGE
Charter #66848 · Antigo, WI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.51% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 1.19% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.88% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.13% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.20% ranks in the 21st 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 | COVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.19B | 75th pct | 69th pct |
| Members | 184,471 | 70th pct | 62th pct |
| Net worth ratio | 9.51% | 22th pct | 16th pct |
| Return on average assets | 1.19% | 81th pct | 80th pct |
| Net interest margin | 2.97% | 25th pct | 30th pct |
| Cost of funds | 2.88% | 94th pct | 89th pct |
| Loan-to-share | 96.53% | 83th pct | 64th pct |
| Delinquency 60+ days | 1.13% | 84th pct | 82th pct |
| Net charge-off ratio | 0.20% | 14th pct | 21th pct |
| Loan growth YoY | 3.28% | 68th pct | 67th pct |
| Share growth YoY | 5.31% | 68th pct | 68th pct |
| Efficiency ratio | 61.33% | 14th pct | 8th pct |
structural peer set hash: e0da7f6533c1121b048a63867dc7d63c… (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.