EVERGREEN

Charter #68038 | ME

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in ME

EVERGREEN has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.6% in tier
  • + Organic Growth Leader: Top 7.0% in tier
  • + Relationship Depth Leader: Top 8.8% in tier
  • + Wallet Share Momentum: Top 21.8% in tier
  • + ROA 0.31% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Asset Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 7.0% in tier
  • - Credit Quality Pressure: Bottom 7.2% in tier
  • - Efficiency ratio 0.15% above tier (higher cost structure)
  • - Delinquency rate 0.05% above tier average
  • - Net Worth Ratio: Bottom 4.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 32,293
+4.7% YoY+1.3% QoQ
 -7.5K 39,752
-2.7% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $625.6M
+10.7% YoY+3.7% QoQ
 +$3.2M $622.4M
+0.3% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 50th in tier
Loans $451.6M
+6.4% YoY+2.1% QoQ
 +$15.6M $435.9M
-0.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 57th in tier
Deposits $572.2M
+10.4% YoY+3.4% QoQ
 +$34.2M $538.0M
+1.3% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 69th in tier
ROA 1.0%
+68.4% YoY+56.0% QoQ
 +0.3% 0.7%
+33.9% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 Top 24.9% in tier
NIM 3.4%
+9.0% YoY+1.6% QoQ
 -0.0% 3.4%
+8.6% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 45th in tier
Efficiency Ratio 78.2%
-7.7% YoY-7.6% QoQ
 +0.2% 78.1%
-3.4% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 48th in tier
Delinquency Rate 0.9%
+96.1% YoY+19.0% QoQ
 +0.1 0.8%
-4.9% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 66th in tier
Loan To Share 78.9%
-3.7% YoY-1.3% QoQ
 -2.1% 81.0%
-1.8% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 37th in tier
AMR $31,703
+3.8% YoY+1.4% QoQ
 +$5K $26,482
+2.6% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Top 17.2% in tier
CD Concentration 22.5%
-2.9% YoY-2.7% QoQ
 -1.9% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 43rd in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#85 of 603 • Top 4.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.66%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.97%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#93 of 430 • Top 7.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.66%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#243 of 1006 • Top 8.8% in tier

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

Why This Signature
AMR Growth (YoY): 3.76%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.2K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#602 of 1006 • Top 21.8% in tier

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

Why This Signature
AMR Growth (YoY): 3.76%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Growth-at-Risk

risk
#105 of 446 • Bottom 7.0% in tier

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

Why This Signature
Loan Growth (YoY): 6.36%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.42% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#179 of 736 • Bottom 7.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.42% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
16
Asset Growth Rate
growth
Value: 10.73%
Peer Avg: 4.33%
#16 of 169 Top 8.9% in 500M-750M tier
18
Fee Income Per Member
profitability
Value: $296.67
Peer Avg: $199.27
#18 of 169 Top 10.1% in 500M-750M tier
23
Member Growth Rate
growth
Value: 4.66%
Peer Avg: 1.75%
#23 of 169 Top 13.0% in 500M-750M tier
23
Deposit Growth Rate
growth
Value: 10.43%
Peer Avg: 5.25%
#23 of 169 Top 13.0% in 500M-750M tier
29
Net Charge-Off Rate
risk
Value: 0.16%
Peer Avg: 0.51%
#29 of 169 Top 16.6% in 500M-750M tier
29
Average Member Relationship (AMR)
engagement
Value: $31,703
Peer Avg: $26,482
#29 of 169 Top 16.6% in 500M-750M tier
36
Loan-to-Member Ratio (LMR)
engagement
Value: $13,983
Peer Avg: $11,805
#36 of 169 Top 20.7% in 500M-750M tier
42
Return on Assets (ROA)
profitability
Value: 0.97%
Peer Avg: 0.66%
#42 of 169 Top 24.3% in 500M-750M tier

Top Weaknesses (2 metrics)

163
Net Worth Ratio
risk
Value: 7.80%
Peer Avg: 10.94%
#163 of 169 Bottom 4.1% in 500M-750M tier
137
Members Per Employee (MPE)
engagement
Value: 258.344
Peer Avg: 338.010
#137 of 169 Bottom 19.5% in 500M-750M tier