BlastPoint's Credit Union Scorecard
EVER $ GREEN
Charter #18649 · NY
EVER $ GREEN faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 18.86% above tier (higher cost structure)
- - Delinquency rate 0.51% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,282
-1.5% YoY-0.9% QoQ
|
+2.7K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 12.2% in tier |
| Assets |
$69.2M
-0.7% YoY-2.0% QoQ
|
+$39.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Top 13.0% in tier |
| Loans |
$38.9M
-1.7% YoY-4.1% QoQ
|
+$23.1M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Top 11.3% in tier |
| Deposits |
$62.9M
-1.1% YoY-2.5% QoQ
|
+$37.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Top 10.6% in tier |
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| ROA |
-0.5%
+30.1% YoY-11.1% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.4% in tier |
| NIM |
3.2%
+0.9% YoY+5.1% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
101.4%
+0.2% YoY-2.1% QoQ
|
+18.9% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 10.2% in tier |
| Delinquency Rate |
2.1%
+88.4% YoY+28.6% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
61.8%
-0.5% YoY-1.7% QoQ
|
+1.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$19,271
+0.2% YoY-2.3% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
29.8%
+13.5% YoY+2.7% QoQ
|
+5.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
6.2%
-7.5% YoY+1.2% QoQ
|
-7.6% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)