| Metric | Evergreen Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.8% | +4.4 pts |
| Share growth (YoY) | +8.3% | +4.3% | +4.0 pts |
| Loan growth (YoY) | +8.0% | +4.3% | +3.7 pts |
| ROA | 0.75% | 0.62% | +0.1 pts |
| ROE | 9.8% | 5.9% | +3.8 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $641.4M | $584.6M | $467.5M | $49.5M | $1.2M | 0.75% | 3.49% | 0.90% | 32,688 |
| Q4 2025 | $627.0M | $571.6M | $461.4M | $48.3M | $6.2M | 1.00% | 3.43% | 1.01% | 32,257 |
| Q3 2025 | $625.6M | $572.2M | $451.6M | $46.5M | $4.5M | 0.95% | 3.34% | 0.85% | 32,293 |
| Q2 2025 | $603.3M | $553.4M | $442.4M | $43.9M | $1.9M | 0.61% | 3.30% | 0.72% | 31,864 |
| Q1 2025 | $587.8M | $539.8M | $432.8M | $42.7M | $604K | 0.41% | 3.29% | 0.84% | 31,421 |
| Q4 2024 | $569.6M | $522.2M | $429.5M | $42.0M | $3.1M | 0.54% | 3.11% | 1.33% | 31,016 |
| Q3 2024 | $564.9M | $518.2M | $424.6M | $41.4M | $2.4M | 0.57% | 3.09% | 0.43% | 30,856 |
| Q2 2024 | $553.6M | $509.0M | $424.9M | $40.2M | $1.2M | 0.43% | 3.08% |
| Ratio | Evergreen Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.62% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 30,497 |
Loan mix (Q1 2026): real estate $248.7M · commercial $96.9M · consumer $91.8M · securities $73.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 78.3% | 66th |
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% |
The full ratio pack is part of CharterBench Pro.