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
- BOOK 88/100
- CHARTER 9.5%
- NCUSIF 1.30%
- CAMELS 0.59%
- HEALTH $4.10B
- NW 183,625
- DELQ #1,510/4,374
- ROA NAVIGANT
- ASSETS 66848
Call Report peers
COVANTAGE in the assets neighbourhood
COVANTAGE's $4.10B assets sit next to NAVIGANT ($4.09B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
COVANTAGE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66848 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How COVANTAGE's 5300 filing moved
COVANTAGE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $4.10B (2025Q4) to $4.19B (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.41% → 9.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for COVANTAGE - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.10B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is COVANTAGE financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - COVANTAGE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,510 of 4,374; by total assets it ranks #122 of 4,374 nationally (same basis as /rankings/largest); and #6 of 100 within Wisconsin. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.51% net worth ratio and 1.30% delinquency rate are the key drivers.
How does COVANTAGE compare to other credit unions?
88/100 is COVANTAGE's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like COVANTAGE are 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."
What rates does COVANTAGE offer compared to banks?
Credit unions like COVANTAGE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact COVANTAGE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.