| Metric | Evergreen Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +1.3% | +4.8 pts |
| Share growth (YoY) | +5.9% | +0.7% | +5.2 pts |
| Loan growth (YoY) | +5.6% | -2.4% | +7.9 pts |
| ROA | 0.59% | 0.60% | -0.0 pts |
| ROE | 4.3% | 4.1% | +0.2 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $63.9M | $54.8M | $46.6M | $8.9M | $95K | 0.59% | 3.44% | 0.91% | 3,376 |
| Q4 2025 | $64.5M | $55.6M | $47.2M | $8.8M | $731K | 1.13% | 3.44% | 0.67% | 3,399 |
| Q3 2025 | $62.4M | $53.5M | $45.4M | $8.7M | $576K | 1.23% | 3.53% | 0.65% | 3,407 |
| Q2 2025 | $62.1M | $53.6M | $44.6M | $8.4M | $335K | 1.08% | 3.49% | 0.54% | 3,420 |
| Q1 2025 | $60.2M | $51.7M | $44.1M | $8.3M | $153K | 1.02% | 3.52% | 0.35% | 3,407 |
| Q4 2024 | $57.6M | $49.4M | $42.7M | $8.1M | $900K | 1.56% | 3.67% | 0.33% | 3,392 |
| Q3 2024 | $57.1M | $48.9M | $41.5M | $7.9M | $696K | 1.63% | 3.69% | 0.21% | 3,389 |
| Q2 2024 | $57.4M | $49.5M | $40.5M | $7.6M | $442K | 1.54% | 3.60% | 0.20% |
| Ratio | Evergreen Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,391 |
Loan mix (Q1 2026): real estate $34.0M · commercial $0 · consumer $11.2M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 81.5% | 50th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Evergreen Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Evergreen Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Evergreen Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Evergreen Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
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