Covenant Savings
Killeen, TX · Charter 24532 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$4.2MAssets
$2.7MLoans
$3.6MShares
$519KNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets in TX (rank 10 of 235).
- Widest gap: nonperforming loans / loans trails 83% of credit unions under $1B in assets in TX (rank 196 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.59%
Rank 26 of 235
Net Interest Margin
4.23%
Rank 68 of 235
Efficiency Ratio
65.00%
Rank 35 of 235
Equity / Assets
12.48%
Rank 149 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.17% | 0.57% | 1.10% | Beats 89% | 26 / 235 | |
| Return on Equity | 12.72% | 1.03% | 4.30% | 7.58% | Beats 96% | 10 / 235 | |
| Net Interest Margin | 4.23% | 3.32% | 3.89% | 4.35% | Beats 71% | 68 / 235 | |
| Efficiency Ratio | 65.00% | 70.60% | 82.00% | 91.57% | Beats 86% | 35 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.69% | 0.20% | 0.59% | 1.14% | Beats 17% | 196 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.48% | 11.30% | 14.41% | 19.49% | Beats 37% | 149 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.48% | 11.30% | 14.41% | 19.49% | Beats 37% | 149 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 73.29% | 54.18% | 67.38% | 81.66% | 63rd pctl | 87 / 235 | |
| Loans / Assets | 63.95% | 43.80% | 56.63% | 68.64% | 68th pctl | 76 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |