Killeen, Texas · Peer group 2
Covenant Savings Credit Union
Covenant Savings Credit Union holds $3.7M in assets across 1,203 members as of Q1 2026 — about $3K of assets per member, on a charter dating to 1994. Charter number 24532, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $3.7M |
|---|---|
| Total loans | $2.4M |
| Total shares (deposits) | $3.2M |
| Net worth | $501K |
| Members | 1,203 |
| Assets per member | $3K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -3.0% | |
|---|---|---|
| Loans | -3.7% | around the 56th percentile of its peer group |
| Deposits | -5.7% | around the 25th percentile of its peer group |
| Members | -1.5% | around the 51st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 77.4% | around the 73rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.7% | around the 31st percentile of its peer group |
| Return on assets | 1.68% | around the 88th percentile of its peer group |
| Delinquency ratio | 0.33% | around the 35th percentile of its peer group |
| Cash / assets | 25.7% | around the 78th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Covenant Savings Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Houston Belt & Terminal Credit Union
HUMBLE, TX
$3.7M · 590 members
- Union Pacific Employees Credit Union
Beaumont, TX
$3.9M · 624 members
- Plains Credit Union
Plainview, TX
$3.9M · 423 members
- Del Rio S.P. Credit Union
DEL RIO, TX
$3.3M · 761 members
- Vidor Teachers Credit Union
Vidor, TX
$3.3M · 476 members
- Goodyear San Angelo Credit Union
SAN ANGELO, TX
$4.1M · 350 members
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