BlastPoint's Credit Union Scorecard

EVERGREEN

Charter #66395 · WI

<100M

2508 CUs in <100M nationally 51 in WI

EVERGREEN has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.45% above tier average
+ Loan-to-Member Ratio (LMR): Top 2.8% in tier
+ Average Member Relationship (AMR): Top 4.3% in tier
+ Total Loans: Top 6.3% in tier

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 4.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	3,376 -0.9% YoY-0.7% QoQ	+699	2,676 +1.6% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	73%
Assets	$63.9M +6.1% YoY-1.0% QoQ	+$33.7M	$30.2M +1.3% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	85%
Loans	$46.6M +5.6% YoY-1.4% QoQ	+$31.3M	$15.3M -2.0% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	Top 6.3% in tier
Deposits	$54.8M +5.9% YoY-1.5% QoQ	+$29.0M	$25.8M +0.7% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -43.1% YoY-48.5% QoQ	+0.4%	0.1% -77.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	49%
NIM	3.4% -4.1% YoY-1.4% QoQ	-0.6%	4.0% +4.0% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	81.3% +13.4% YoY+18.6% QoQ	-9.3%	90.6% +6.5% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	49%
Delinquency Rate	0.9% +156.5% YoY+35.8% QoQ	-0.6	1.5% +3.8% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	62%
Loan To Share	85.1% -0.3% YoY+0.1% QoQ	+26.5%	58.5% -3.0% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	Top 12.7% in tier
AMR	$30,034 +6.7% YoY-0.8% QoQ	+$15K	$14,884 -1.7% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	Top 4.4% in tier
CD Concentration	21.4% +5.2% YoY-8.1% QoQ	-2.9%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.0%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $13,804

Peer Median: $4,923

#70 of 2508 Top 2.8% in <100M tier

110

Average Member Relationship (AMR)

engagement

Value: $30,034

Peer Median: $13,926

#110 of 2508 Top 4.3% in <100M tier

159

Total Loans

balance_sheet

Value: $46.60M

Peer Median: $9.48M

#159 of 2508 Top 6.3% in <100M tier

300

Fee Income Per Member

profitability

Value: $147.81

Peer Median: $60.42

#300 of 2508 Top 11.9% in <100M tier

316

Loan-to-Share Ratio

balance_sheet

Value: 85.05%

Peer Median: 58.72%

#316 of 2508 Top 12.6% in <100M tier

382

Total Assets

balance_sheet

Value: $63.89M

Peer Median: $21.86M

#382 of 2508 Top 15.2% in <100M tier

389

Total Deposits

balance_sheet

Value: $54.79M

Peer Median: $18.77M

#389 of 2508 Top 15.5% in <100M tier

448

AMR Growth Rate

growth

Value: 6.72%

Peer Median: 1.27%

#448 of 2508 Top 17.8% in <100M tier

468

Loan Growth Rate

growth

Value: 5.59%

Peer Median: -2.36%

#468 of 2508 Top 18.6% in <100M tier

Top Weaknesses (2 metrics)

2396

First Mortgage Concentration (%)

balance_sheet

Value: 59.00%

Peer Median: 3.66%

#2396 of 2508 Bottom 4.5% in <100M tier

2062

Members Per Employee (MPE)

engagement

Value: 211.000

Peer Median: 333.750

#2062 of 2508 Bottom 17.8% in <100M tier