Covenant Savings

Killeen, TX · 1 · Charter #24532 · www.mycsfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.7M
19th percentile
Members
1,202
43th percentile
Total loans
$2.5M
27th percentile
Total shares
$3.2M
21th percentile

Profitability

Return on assets
1.94%
90th percentile
Net interest margin
4.67%
75th percentile
Efficiency ratio
63.48%
57th percentile
Non-interest income ratio
16.23%
73th percentile

Capital & Risk

Net worth ratio
13.28%
39th percentile
Delinquency rate
0.08%
79th percentile
Net charge-off rate
-0.00%
91th percentile
Loan-to-share
80.48%
77th percentile

Growth

Member growth YoY
-2.99%
33th percentile
Asset growth YoY
-4.86%
17th percentile
Loan growth YoY
5.24%
79th percentile
Share growth YoY
-7.23%
14th percentile

Operations

Members / branch
1,202
54th percentile
Assets / member
$3,044
7th percentile
Field of membership penetration
17.17%
30th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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