EVEREST
Charter #24906 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
EVEREST has 11 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.69% above tier average
- + Net Interest Margin 2.36% above tier average
- + Strong member growth: 53.6% 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 0.1% in tier
- + Member Growth Rate: Top 0.5% in tier
- + Loan Growth Rate: Top 0.5% in tier
- + AMR Growth Rate: Top 0.6% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 8.68% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,167
+53.6% YoY+11.9% QoQ
|
-458 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
55th in tier |
| Assets |
$10.7M
+192.6% YoY+69.0% QoQ
|
$-19.2M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
33rd in tier |
| Loans |
$4.6M
+42.9% YoY+14.0% QoQ
|
$-11.1M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
32nd in tier |
| Deposits |
$10.0M
+219.6% YoY+77.2% QoQ
|
$-15.5M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
36th in tier |
| ROA |
1.4%
-37.2% YoY-60.5% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 23.6% in tier |
| NIM |
6.3%
-31.6% YoY-24.5% QoQ
|
+2.4% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
76.8%
+28.1% YoY+28.1% QoQ
|
-4.6% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
46th in tier |
| Delinquency Rate |
10.2%
+186.5% YoY+22.3% QoQ
|
+8.7 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.4% in tier |
| Loan To Share |
46.3%
-55.3% YoY-35.6% QoQ
|
-15.0% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
27th in tier |
| AMR |
$6,748
+49.6% YoY+34.8% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.2% in tier |
| CD Concentration |
20.0%
+100.0% YoY-28.1% QoQ
|
-4.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
3
Asset Growth Rate
growth
Value:
192.55%
Peer Avg: 1.82%
#3 of 2596
Top 0.1% in <100M tier
4
Deposit Growth Rate
growth
Value:
219.63%
Peer Avg: 16.80%
#4 of 2596
Top 0.1% in <100M tier
14
Member Growth Rate
growth
Value:
53.58%
Peer Avg: 14.92%
#14 of 2596
Top 0.5% in <100M tier
15
Loan Growth Rate
growth
Value:
42.95%
Peer Avg: 59.01%
#15 of 2596
Top 0.5% in <100M tier
16
AMR Growth Rate
growth
Value:
49.62%
Peer Avg: 4.67%
#16 of 2596
Top 0.6% in <100M tier
78
Net Interest Margin (NIM)
profitability
Value:
6.30%
Peer Avg: 3.93%
#78 of 2596
Top 3.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
612
Return on Assets (ROA)
profitability
Value:
1.38%
Peer Avg: 0.68%
#612 of 2596
Top 23.5% in <100M tier
Top Weaknesses (5 metrics)
2535
Total Delinquency Rate (60+ days)
risk
Value:
10.19%
Peer Avg: 1.51%
#2535 of 2596
Bottom 2.4% in <100M tier
2237
Net Worth Ratio
risk
Value:
9.61%
Peer Avg: 16.43%
#2237 of 2596
Bottom 13.9% in <100M tier
2227
Average Member Relationship (AMR)
engagement
Value:
$6,748
Peer Avg: $14,627
#2227 of 2596
Bottom 14.3% in <100M tier
2225
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,135
Peer Avg: $5,488
#2225 of 2596
Bottom 14.3% in <100M tier
2115
Members Per Employee (MPE)
engagement
Value:
216.700
Peer Avg: 365.701
#2115 of 2596
Bottom 18.6% in <100M tier