State credit union · Antigo, Wisconsin · NCUA charter #66848
COVANTAGE
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $4.10B
- Total assets
- 183,625
- Members
- 9.5%
- Net-worth ratio
COVANTAGE scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.10B; members 183,625; net-worth ratio 9.51%; health rank #1,510 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,510 of 4,374 health · 2025Q4COVANTAGE · health 88/100 · $4.10B · 2025Q4
Call Report peers
COVANTAGE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COVANTAGE vs every NCUA-scored credit union
COVANTAGE sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where COVANTAGE diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 98.74% vs peer 83.90% (+14.84 pp).
- Net Worth Ratio trails the peer set - 9.51% here, 11.18% peer average (-1.67 pp).
COVANTAGE in Wisconsin
- In Wisconsin, health place is #59 of 100 on the same NCUA-ratio sort used nationally.
- Wisconsin assets place: #6 of 100.
- Member book place in Wisconsin: #7 of 100.
- One place up in Wisconsin, Central Wisconsin (#58) ties at 88/100; one place down, SERVICE (#60) scores 87/100, 1 point lower.
How COVANTAGE's 5300 filing moved
COVANTAGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $4.10B (2025Q4) to $4.19B (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.41% → 9.51%).
At 9.51%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
COVANTAGE gives up 12 points in total. Delinquency Rate costs the most, 7.2 of its 25; Return on Assets and Member Growth score full marks.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 17.8 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.4 pts
Call Report ratios for COVANTAGE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.51% | -1.67 pp |
| Delinquency Rate | 1.30% | +0.43 pp |
| Return on Assets | 0.59% | +0.08 pp |
| Member Growth | 6.83% | - |
| Loan-to-Share Ratio | 98.74% | +14.84 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - COVANTAGE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.19B | - |
| 2025Q4 | $4.10B | 183,625 |
| 2024Q4 | $3.73B | 171,890 |
| 2023Q4 | $3.54B | 166,692 |
Credit Union Details
- Charter Number
- 66848
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Antigo
- Data Quarter
- 2025Q4
Branch Locations (23)
COVANTAGE operates 23 offices across 20 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CoVantage Credit Union (Main Office) | Antigo, WI |
| CoVantage Credit Union | Antigo, WI |
| CoVantage Credit Union | Appleton, WI |
| CoVantage Credit Union | Crandon, WI |
| CoVantage Credit Union | Crystal Falls, MI |
| CoVantage Credit Union | De Pere, WI |
| CoVantage Credit Union | Elcho, WI |
| CoVantage Credit Union | Iron River, MI |
| CoVantage Credit Union | Menasha, WI |
| CoVantage Credit Union | Menominee, MI |
| CoVantage Credit Union | Mokena, IL |
| CoVantage Credit Union | Neenah, WI |
| CoVantage Credit Union | New Lenox, IL |
| CoVantage Credit Union | Plover, WI |
| CoVantage Credit Union | Rhinelander, WI |
| Branch Office | Rothschild, WI |
| CoVantage Credit Union | Shawano, WI |
| CoVantage Credit Union | Shawano, WI |
| CoVantage Credit Union | Stevens Point, WI |
| CoVantage Credit Union | Suamico, WI |
| CoVantage Credit Union | Wausau, WI |
| CoVantage Credit Union | Wausau, WI |
| CoVantage Credit Union | Weston, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Cross-state Call Report peers for COVANTAGE
Using this data
- COVANTAGE ranks #1,510 of 4,374 nationally on financial health and #59 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONNEXUS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONNEXUS
Frequently Asked Questions
Is COVANTAGE financially healthy?
COVANTAGE has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,510 of 4,374 nationally on health and #59 of 100 in Wisconsin. Its net worth ratio is 9.51% and its delinquency rate 1.30%.
How does COVANTAGE compare to other credit unions?
COVANTAGE scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (98.74% vs 83.90%). Its widest shortfall is net worth ratio (9.51% vs 11.18%).
How can I join COVANTAGE?
Membership eligibility for COVANTAGE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COVANTAGE directly for current membership requirements and application steps.
Is my money safe at COVANTAGE?
COVANTAGE is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. COVANTAGE's net worth ratio of 9.51% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.