BlastPoint's Credit Union Scorecard
EVERENCE
Charter #10223 · PA
EVERENCE has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.23% above tier average
- + Net Interest Margin 0.11% above tier average
- + Total Loans: Top 1.5% in tier
- + Total Deposits: Top 2.1% in tier
- + Total Assets: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,692
+1.8% YoY+0.4% QoQ
|
+9.5K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Top 12.4% in tier |
| Assets |
$450.1M
+1.5% YoY-1.2% QoQ
|
+$218.4M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Top 4.7% in tier |
| Loans |
$351.4M
+7.3% YoY+1.7% QoQ
|
+$207.3M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Top 1.6% in tier |
| Deposits |
$414.8M
+6.1% YoY+3.3% QoQ
|
+$213.6M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Top 2.2% in tier |
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| ROA |
1.0%
+26.8% YoY+28.0% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
3.7%
+12.3% YoY+8.2% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
59% |
| Efficiency Ratio |
72.8%
-6.3% YoY-4.9% QoQ
|
-5.2% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.5%
-13.1% YoY-33.9% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
84.7%
+1.1% YoY-1.5% QoQ
|
+14.3% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$31,029
+4.7% YoY+2.1% QoQ
|
+$6K |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
84% |
| CD Concentration |
20.7%
+20.7% YoY-1.2% QoQ
|
-3.6% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)