BlastPoint's Credit Union Scorecard
EVEREST
Charter #24906 · NY
<100M
2508 CUs in <100M nationally
179 in NY
EVEREST has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.24% above tier average
- + Strong member growth: 35.3% YoY
- + Asset Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.2% in tier
- + Member Growth Rate: Top 0.9% in tier
- + Loan Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Efficiency ratio 3.82% above tier (higher cost structure)
- - Delinquency rate 4.35% above tier average
- - Net Worth Ratio: Bottom 2.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - Average Member Relationship (AMR): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,436
+35.3% YoY+4.5% QoQ
|
-240 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$9.0M
+59.7% YoY+2.6% QoQ
|
$-21.2M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$4.6M
+19.8% YoY+0.6% QoQ
|
$-10.6M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$8.3M
+65.8% YoY+3.0% QoQ
|
$-17.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
-0.6%
-108.5% YoY-152.0% QoQ
|
-0.7% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.6% in tier |
| NIM |
7.2%
-20.1% YoY+26.5% QoQ
|
+3.2% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Top 1.0% in tier |
| Efficiency Ratio |
94.5%
+98.2% YoY+20.5% QoQ
|
+3.8% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
77% |
| Delinquency Rate |
5.9%
+9.6% YoY-19.2% QoQ
|
+4.4 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.7% in tier |
| Loan To Share |
56.2%
-27.7% YoY-2.2% QoQ
|
-2.3% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
47% |
| AMR |
$5,290
+7.7% YoY-2.2% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.8% in tier |
| CD Concentration |
17.8%
+3.9% YoY-25.1% QoQ
|
-6.5% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
7
Asset Growth Rate
growth
Value:
59.70%
Peer Median: 1.30%
#7 of 2508
Top 0.2% in <100M tier
7
Deposit Growth Rate
growth
Value:
65.76%
Peer Median: 0.66%
#7 of 2508
Top 0.2% in <100M tier
24
Member Growth Rate
growth
Value:
35.26%
Peer Median: -1.37%
#24 of 2508
Top 0.9% in <100M tier
25
Net Interest Margin (NIM)
profitability
Value:
7.25%
Peer Median: 3.83%
#25 of 2508
Top 1.0% in <100M tier
91
Loan Growth Rate
growth
Value:
19.84%
Peer Median: -2.36%
#91 of 2508
Top 3.6% in <100M tier
376
AMR Growth Rate
growth
Value:
7.70%
Peer Median: 1.27%
#376 of 2508
Top 15.0% in <100M tier
Top Weaknesses (8 metrics)
2453
Net Worth Ratio
risk
Value:
7.06%
Peer Median: 14.28%
#2453 of 2508
Bottom 2.2% in <100M tier
2392
Total Delinquency Rate (60+ days)
risk
Value:
5.86%
Peer Median: 0.65%
#2392 of 2508
Bottom 4.7% in <100M tier
2374
Net Charge-Off Rate
risk
Value:
2.27%
Peer Median: 0.07%
#2374 of 2508
Bottom 5.4% in <100M tier
2262
Average Member Relationship (AMR)
engagement
Value:
$5,290
Peer Median: $13,926
#2262 of 2508
Bottom 9.8% in <100M tier
2198
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,903
Peer Median: $4,923
#2198 of 2508
Bottom 12.4% in <100M tier
2191
Return on Assets (ROA)
profitability
Value:
-0.56%
Peer Median: 0.61%
#2191 of 2508
Bottom 12.7% in <100M tier
2008
Members Per Employee (MPE)
engagement
Value:
221.455
Peer Median: 333.750
#2008 of 2508
Bottom 20.0% in <100M tier
1929
Efficiency Ratio
profitability
Value:
94.45%
Peer Median: 81.45%
#1929 of 2508
Bottom 23.1% in <100M tier