BlastPoint's Credit Union Scorecard
EVERWISE
Charter #60060 · IN
EVERWISE has 3 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 23.5% in tier
- + Net Interest Margin 0.08% above tier average
- + AMR Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.0% in tier
- - Credit Risk Growth: Bottom 10.3% in tier
- - Credit Quality Pressure: Bottom 11.5% in tier
- - Liquidity Strain: Bottom 30.6% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 2.05% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
298,696
+0.3% YoY+0.4% QoQ
|
+9.0K |
289,724
-2.8% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$5.5B
+6.7% YoY+0.1% QoQ
|
$-256.2M |
$5.8B
+0.2% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$4.5B
+8.7% YoY+1.8% QoQ
|
+$369.9M |
$4.1B
-3.1% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$4.9B
+12.1% YoY-0.4% QoQ
|
+$29.9M |
$4.9B
+2.2% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
59% |
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| ROA |
0.6%
+3.0% YoY+9.4% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
3.0%
+6.0% YoY+2.0% QoQ
|
+0.1% |
2.9%
+3.9% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
70.2%
+0.2% YoY-1.7% QoQ
|
+2.0% |
68.1%
-1.7% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.9%
+15.7% YoY+11.4% QoQ
|
+0.3 |
0.6%
-2.2% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
90.5%
-3.0% YoY+2.2% QoQ
|
+6.9% |
83.6%
-5.7% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$31,371
+10.2% YoY+0.2% QoQ
|
$-3K |
$34,398
+4.0% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
47% |
| CD Concentration |
30.0%
+12.5% YoY+2.2% QoQ
|
+1.2% |
28.9%
-1.3% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
56% |
| Indirect Auto % |
30.3%
-8.7% YoY-0.7% QoQ
|
+13.7% |
16.6%
-10.3% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
83% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)