BlastPoint's Credit Union Scorecard
EVEREST
Charter #24906 · NY
EVEREST has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 4.02% above tier average
- + Strong member growth: 30.5% YoY
- + Asset Growth Rate: Top 1.0% in tier
- + Deposit Growth Rate: Top 1.2% in tier
- + Member Growth Rate: Top 1.3% in tier
- + Loan Growth Rate: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Delinquency rate 3.85% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
- - Net Worth Ratio: Bottom 7.6% in tier
- - Average Member Relationship (AMR): Bottom 7.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits +21.2% year over year ($6.8M in shares and deposits).
- Membership: 2,527 members, +30.5% vs a year ago.
- Delinquency rate 5.40%.
- Return on assets 0.29%.
- Efficiency ratio 86.70% vs a 88.77% peer average.
- Loan-to-share ratio 70.20% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,527
+30.5% YoY+3.7% QoQ
|
-58 |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$7.6M
+20.9% YoY-15.2% QoQ
|
$-22.7M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$4.8M
+18.4% YoY+3.6% QoQ
|
$-10.7M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$6.8M
+21.2% YoY-17.1% QoQ
|
$-19.0M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
0.3%
-91.7% YoY-151.6% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
7.9%
-4.9% YoY+9.3% QoQ
|
+4.0% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 0.5% in tier |
| Efficiency Ratio |
86.7%
+44.7% YoY-8.2% QoQ
|
-2.1% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
5.4%
-35.3% YoY-7.8% QoQ
|
+3.8 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.9% in tier |
| Loan To Share |
70.2%
-2.4% YoY+25.0% QoQ
|
+11.3% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$4,608
-8.0% YoY-12.9% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.6% in tier |
| CD Concentration |
13.0%
-53.3% YoY-26.9% QoQ
|
-11.6% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 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)