BlastPoint's Credit Union Scorecard
EVERGREENDIRECT
Charter #68546 · WA
EVERGREENDIRECT has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Fee Income Per Member: Top 2.7% in tier
- + Total Deposits: Top 7.3% in tier
- + Total Assets: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 3.76% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits -4.5% year over year ($68.9M in shares and deposits).
- Membership: 4,778 members, -2.0% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 0.03%.
- Efficiency ratio 92.53% vs a 88.77% peer average.
- Loan-to-share ratio 53.50% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,778
-2.0% YoY0% QoQ
|
+2.2K |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
Top 14.9% in tier |
| Assets |
$75.6M
-3.1% YoY-2.6% QoQ
|
+$45.3M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Top 9.8% in tier |
| Loans |
$36.9M
-4.3% YoY-0.7% QoQ
|
+$21.4M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 12.4% in tier |
| Deposits |
$68.9M
-4.5% YoY-2.4% QoQ
|
+$43.1M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Top 7.4% in tier |
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| ROA |
0.0%
-85.3% YoY-67.7% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.3% in tier |
| NIM |
4.0%
+5.2% YoY+1.5% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
92.5%
+2.4% YoY+2.4% QoQ
|
+3.8% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
0.6%
-18.3% YoY+86.3% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
53.5%
+0.2% YoY+1.6% QoQ
|
-5.4% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$22,136
-2.5% YoY-1.8% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
17.7%
-21.2% YoY+0.8% QoQ
|
-6.9% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.0% | 7.7% | 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)