BlastPoint's Credit Union Scorecard
EVERMAN PARKWAY
Charter #67456 · TX
EVERMAN PARKWAY has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.74% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.5% in tier
- + Loan-to-Share Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 4.14% above tier (higher cost structure)
- - Member decline: -5.8% YoY
- - Deposit Growth Rate: Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
557
-5.8% YoY-1.2% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
15% |
| Assets |
$3.9M
-3.4% YoY-0.7% QoQ
|
$-26.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$2.1M
-10.8% YoY+2.4% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$2.3M
-11.1% YoY-6.6% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.9% in tier |
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| ROA |
0.2%
+175.9% YoY-74.3% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
5.7%
+16.6% YoY+1.8% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 5.7% in tier |
| Efficiency Ratio |
86.7%
-10.9% YoY+3.5% QoQ
|
+4.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
1.4%
+39.9% YoY-2.6% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
91.1%
+0.3% YoY+9.7% QoQ
|
+30.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 9.1% in tier |
| AMR |
$8,022
-5.5% YoY-1.3% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)