BlastPoint's Credit Union Scorecard
EVEREST
Charter #24906 · NY
EVEREST has 10 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.46% above tier average
- + Net Interest Margin 1.78% above tier average
- + Strong member growth: 40.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.2% in tier
- + Member Growth Rate: Top 0.7% in tier
- + Loan Growth Rate: Top 2.0% in tier
- + AMR Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 5.69% above tier average
- - Net Worth Ratio: Bottom 2.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 4.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,332
+40.1% YoY+7.6% QoQ
|
-283 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$8.8M
+80.8% YoY-17.7% QoQ
|
$-21.4M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$4.6M
+27.6% YoY-0.4% QoQ
|
$-11.2M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$8.0M
+87.1% YoY-19.8% QoQ
|
$-17.7M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
1.1%
-63.6% YoY-21.8% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
5.7%
-32.1% YoY-9.0% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 5.5% in tier |
| Efficiency Ratio |
78.4%
+38.7% YoY+2.2% QoQ
|
-4.1% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
7.2%
-64.6% YoY-28.9% QoQ
|
+5.7 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 3.2% in tier |
| Loan To Share |
57.5%
-31.8% YoY+24.2% QoQ
|
-3.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$5,411
+14.2% YoY-19.8% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.1% in tier |
| CD Concentration |
23.7%
+54.0% YoY+18.5% QoQ
|
-0.7% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)