Everwise
South Bend, IN · Charter 60060 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 49 branches
Q2 2026
$5.8BAssets
$4.6BLoans
$5.1BShares
$526.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 73% of credit unions $1B-$10B in assets (rank 119 of 435).
- Widest gap: equity / assets trails 88% of credit unions $1B-$10B in assets (rank 382 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.74%
Rank 252 of 435
Net Interest Margin
3.08%
Rank 305 of 435
Efficiency Ratio
66.08%
Rank 119 of 435
Equity / Assets
9.11%
Rank 382 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.74% | 0.55% | 0.81% | 1.14% | Beats 42% | 252 / 435 | |
| Return on Equity | 8.15% | 5.12% | 7.41% | 9.70% | Beats 57% | 186 / 435 | |
| Net Interest Margin | 3.08% | 3.01% | 3.39% | 3.75% | Beats 30% | 305 / 435 | |
| Efficiency Ratio | 66.08% | 65.25% | 71.39% | 77.86% | Beats 73% | 119 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.45% | 0.69% | 1.05% | Beats 33% | 294 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.11% | 9.81% | 10.84% | 12.63% | Beats 12% | 382 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.11% | 9.81% | 10.84% | 12.63% | Beats 12% | 382 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 90.03% | 78.33% | 88.38% | 95.61% | 56th pctl | 191 / 435 | |
| Loans / Assets | 78.97% | 67.69% | 74.58% | 80.80% | 66th pctl | 147 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |