EVERWISE

Charter #60060 | IN

5B-7B (34 CUs) Large (64 CUs)
1 5B-7B in IN

EVERWISE has 5 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.8% in tier
  • + Wallet Share Momentum: Top 3.4% in tier
  • + Emerging Performer: Top 28.7% 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
  • - Growth-at-Risk: 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
 50th in tier
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
 38th in tier
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
 62nd in tier
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
 59th in tier
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
 29th in tier
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
 50th in tier
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
 59th in tier
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
 Top 20.6% in tier
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
 47th in tier
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
 47th in tier
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
 56th in tier
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
 Top 17.2% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#2 of 46 • Top 0.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 10.17%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.1K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY

Wallet Share Momentum

growth
#5 of 46 • Top 3.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 10.17%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY

Emerging Performer

growth
#26 of 31 • Top 28.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.62%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.25%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk
#5 of 33 • Bottom 4.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.68%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 30.30%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.25%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

Growth-at-Risk

risk
#11 of 25 • Bottom 10.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.71%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.12% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | New qualifier

Credit Quality Pressure

risk
#15 of 34 • Bottom 11.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.12% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank worsening

Liquidity Strain

risk
#27 of 32 • Bottom 30.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.53%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.71%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY

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)

Comparing against 34 peers in tier

Top Strengths (3 metrics)

4
AMR Growth Rate
growth
Value: 10.17%
Peer Avg: 3.75%
#4 of 34 Top 8.8% in 5B-7B tier
7
First Mortgage Concentration (%)
balance_sheet
Value: 24.87%
Peer Avg: 37.88%
#7 of 34 Top 17.6% in 5B-7B tier
9
Deposit Growth Rate
growth
Value: 12.08%
Peer Avg: 8.13%
#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (4 metrics)

30
Net Worth Ratio
risk
Value: 9.02%
Peer Avg: 10.96%
#30 of 34 Bottom 14.7% in 5B-7B tier
30
Indirect Auto Concentration (%)
balance_sheet
Value: 30.30%
Peer Avg: 14.61%
#30 of 34 Bottom 14.7% in 5B-7B tier
28
Total Delinquency Rate (60+ days)
risk
Value: 0.89%
Peer Avg: 0.62%
#28 of 34 Bottom 20.6% in 5B-7B tier
27
Member Growth Rate
growth
Value: 0.25%
Peer Avg: 3.26%
#27 of 34 Bottom 23.5% in 5B-7B tier