EVERMAN PARKWAY
Charter #67456 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
EVERMAN PARKWAY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Net Interest Margin 1.66% 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
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.37% above tier (higher cost structure)
- - Member decline: -4.9% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
564
-4.9% YoY-0.7% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 15.4% in tier |
| Assets |
$3.9M
+2.8% YoY-2.8% QoQ
|
$-25.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 16.1% in tier |
| Loans |
$2.1M
-14.6% YoY-3.0% QoQ
|
$-13.7M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 18.1% in tier |
| Deposits |
$2.5M
+3.4% YoY-4.7% QoQ
|
$-23.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.7% in tier |
| ROA |
0.7%
-1654.1% YoY-6.9% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
47th in tier |
| NIM |
5.6%
+19.8% YoY+0.6% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 6.7% in tier |
| Efficiency Ratio |
83.8%
-15.9% YoY+0.7% QoQ
|
+2.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
64th in tier |
| Delinquency Rate |
1.4%
+57.5% YoY+2.9% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
72nd in tier |
| Loan To Share |
83.1%
-17.4% YoY+1.8% QoQ
|
+21.9% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 18.7% in tier |
| AMR |
$8,126
-0.7% YoY-3.3% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 20.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
93
Net Worth Ratio
risk
Value:
36.15%
Peer Avg: 16.43%
#93 of 2596
Top 3.5% in <100M tier
173
Net Interest Margin (NIM)
profitability
Value:
5.59%
Peer Avg: 3.93%
#173 of 2596
Top 6.6% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
482
Loan-to-Share Ratio
balance_sheet
Value:
83.09%
Peer Avg: 61.23%
#482 of 2596
Top 18.5% in <100M tier
Top Weaknesses (7 metrics)
2284
Loan Growth Rate
growth
Value:
-14.56%
Peer Avg: 59.01%
#2284 of 2596
Bottom 12.1% in <100M tier
2240
Total Deposits
balance_sheet
Value:
$2.50M
Peer Avg: $25.45M
#2240 of 2596
Bottom 13.8% in <100M tier
2195
Total Members
engagement
Value:
564
Peer Avg: 2,626
#2195 of 2596
Bottom 15.5% in <100M tier
2178
Total Assets
balance_sheet
Value:
$3.94M
Peer Avg: $29.86M
#2178 of 2596
Bottom 16.1% in <100M tier
2143
Member Growth Rate
growth
Value:
-4.89%
Peer Avg: 14.92%
#2143 of 2596
Bottom 17.5% in <100M tier
2125
Total Loans
balance_sheet
Value:
$2.08M
Peer Avg: $15.77M
#2125 of 2596
Bottom 18.2% in <100M tier
2076
Average Member Relationship (AMR)
engagement
Value:
$8,126
Peer Avg: $14,627
#2076 of 2596
Bottom 20.1% in <100M tier