BlastPoint's Credit Union Scorecard
EVERGREENDIRECT
Charter #68546 · WA
EVERGREENDIRECT has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 2.9% in tier
- + Total Deposits: Top 6.9% in tier
- + Total Assets: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 6.18% above tier (higher cost structure)
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,806
-2.6% YoY-0.8% QoQ
|
+2.2K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$76.5M
-1.9% YoY-4.4% QoQ
|
+$46.4M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Top 9.3% in tier |
| Loans |
$38.4M
-4.1% YoY+0.4% QoQ
|
+$22.7M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 11.7% in tier |
| Deposits |
$69.7M
-3.9% YoY-4.9% QoQ
|
+$44.0M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Top 7.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-184.7% YoY-20.4% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
3.9%
+8.5% YoY+1.3% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
88.7%
-5.2% YoY+0.9% QoQ
|
+6.2% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.9%
-25.2% YoY+22.5% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
55.1%
-0.2% YoY+5.6% QoQ
|
-5.5% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$22,493
-1.4% YoY-2.4% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 13.3% in tier |
| CD Concentration |
18.4%
-21.3% YoY-10.4% QoQ
|
-6.0% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.8% | 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)