BlastPoint's Credit Union Scorecard
EVERWISE
Charter #60060 · IN
EVERWISE has 1 strength but faces 6 concerns
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How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 68.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 26.5% in tier
- - Credit Quality Pressure: Bottom 33.3% in tier
- - Credit Risk Growth: Bottom 36.7% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 1.30% above tier (higher cost structure)
- - Delinquency rate 0.26% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
298,229
+0.5% YoY-0.2% QoQ
|
+5.9K |
292,342
-2.4% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$5.6B
+7.4% YoY+1.8% QoQ
|
$-104.6M |
$5.7B
-0.2% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$4.4B
+5.5% YoY-0.8% QoQ
|
+$250.6M |
$4.2B
-1.6% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$5.0B
+6.8% YoY+1.7% QoQ
|
+$155.9M |
$4.8B
+0.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.7%
+23.8% YoY+10.6% QoQ
|
-0.1% |
0.8%
+27.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.0%
+6.3% YoY+0.6% QoQ
|
-0.0% |
3.0%
+8.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
68.6%
-1.6% YoY-2.3% QoQ
|
+1.3% |
67.3%
-3.7% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
1.0%
+13.5% YoY+16.8% QoQ
|
+0.3 |
0.8%
+17.5% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
88.3%
-1.3% YoY-2.5% QoQ
|
+2.4% |
85.9%
-2.6% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$31,583
+5.7% YoY+0.7% QoQ
|
$-3K |
$34,289
+3.5% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
28.7%
+1.3% YoY-4.5% QoQ
|
-0.5% | 29.1% | 19.3% | 19.8% | 46% |
| Indirect Auto % |
27.8%
-12.5% YoY-8.1% QoQ
|
+10.8% | 17.1% | 10.7% | 7.8% | 78% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)