Everwise Credit Union
Total assets
$5.70B
▲ +5.8% YoY
Shares & deposits
$5.01B
▲ +4.3% YoY
Loans
$4.46B
▲ +5.2% YoY
Members
298,815
▲ +0.6% YoY
ROA (annualized)
0.52%
peers 0.71%
ROE (annualized)
5.75%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Everwise Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +5.1% | +0.7 pts |
| Share growth (YoY) | +4.3% | +4.9% | -0.6 pts |
| Loan growth (YoY) | +5.2% | +5.4% | -0.3 pts |
| ROA | 0.52% | 0.71% | -0.2 pts |
| ROE | 5.8% | 6.3% | -0.5 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
Profile
- Established
- 1931
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 110 S Main St, South Bend, IN, 46601
- NCUA charter #
- 60060
- RSSD ID
- 275590
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.70B | $5.01B | $4.46B | $512.5M | $7.4M | 0.52% | 3.04% | 0.67% | 298,815 |
| Q4 2025 | $5.64B | $5.00B | $4.42B | $505.1M | $38.0M | 0.67% | 2.97% | 1.04% | 298,229 |
| Q3 2025 | $5.54B | $4.92B | $4.45B | $500.2M | $25.5M | 0.61% | 2.98% | 0.89% | 298,696 |
| Q2 2025 | $5.53B | $4.94B | $4.37B | $490.0M | $15.3M | 0.55% | 2.88% | 0.80% | 297,429 |
| Q1 2025 | $5.38B | $4.80B | $4.24B | $482.8M | $8.2M | 0.61% | 2.94% | 0.69% | 296,897 |
| Q4 2024 | $5.25B | $4.68B | $4.19B | $474.6M | $28.7M | 0.55% | 2.80% | 0.92% | 296,844 |
| Q3 2024 | $5.19B | $4.39B | $4.10B | $476.8M | $23.2M | 0.60% | 2.81% | 0.77% | 297,945 |
| Q2 2024 | $5.17B | $4.43B | $4.13B | $469.8M | $16.2M | 0.63% | 2.77% | 1.00% | 299,890 |
Loan mix (Q1 2026): real estate $1.42B · commercial $1.51B · consumer $1.50B · securities $783.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Everwise Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.71% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 6.3% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.32% | 32th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 73.0% | 39th | |
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% |
Balance sheet
| Ratio | Everwise 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% |
Capital
| Ratio | Everwise 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% |
Credit quality
| Ratio | Everwise 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% |
Franchise
| Ratio | Everwise 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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