Ever $ Green
Rochester, NY · Charter 18649 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 3 branches
Q2 2026
$72.6MAssets
$38.1MLoans
$66.7MShares
$6.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 25% of credit unions under $1B in assets in the Rochester, NY area (rank 13 of 16).
- Widest gap: return on equity trails 94% of credit unions under $1B in assets in the Rochester, NY area (rank 15 of 16).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.85%
Rank 15 of 16
Net Interest Margin
3.30%
Rank 13 of 16
Efficiency Ratio
93.17%
Rank 15 of 16
Equity / Assets
9.53%
Rank 13 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.85% | 0.50% | 0.77% | 1.48% | Beats 6% | 15 / 16 | |
| Return on Equity | -8.88% | 4.22% | 6.62% | 10.72% | Beats 6% | 15 / 16 | |
| Net Interest Margin | 3.30% | 3.56% | 3.86% | 4.25% | Beats 19% | 13 / 16 | |
| Efficiency Ratio | 93.17% | 74.18% | 80.46% | 85.46% | Beats 12% | 15 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.51% | 0.36% | 0.55% | 2.51% | Beats 25% | 13 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.53% | 9.57% | 11.10% | 14.62% | Beats 19% | 13 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.53% | 9.57% | 11.10% | 14.62% | Beats 19% | 13 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 57.16% | 57.16% | 70.70% | 77.55% | 25th pctl | 12 / 16 | |
| Loans / Assets | 52.52% | 50.73% | 59.07% | 66.01% | 38th pctl | 10 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |