Covington Schools
Andalusia, AL · Charter 11950 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$22.4MAssets
$8.0MLoans
$15.2MShares
$7.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 97% of credit unions under $1B in assets (rank 45 of 1683).
- Widest gap: efficiency ratio trails 100% of credit unions under $1B in assets (rank 1675 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-7.81%
Rank 1,675 of 1,683
Net Interest Margin
2.88%
Rank 1,513 of 1,683
Efficiency Ratio
244%
Rank 1,675 of 1,682
Equity / Assets
31.62%
Rank 45 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -7.81% | 0.35% | 0.74% | 1.18% | Beats 0% | 1,675 / 1,683 | | |
| Return on Equity | -24.71% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,659 / 1,681 | | |
| Net Interest Margin | 2.88% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,513 / 1,683 | | |
| Efficiency Ratio | 244% | 68.91% | 78.20% | 86.93% | Beats 0% | 1,675 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.12% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,648 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 31.62% | 10.44% | 12.89% | 16.53% | Beats 97% | 45 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 31.62% | 10.44% | 12.89% | 16.53% | Beats 97% | 45 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.46% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,267 / 1,683 | | |
| Loans / Assets | 35.67% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,454 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |