EVERENCE
Charter #10223 · Lancaster, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 24,692 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.39% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 0.95% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.72% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.84% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EVERENCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $450.08M | 95th pct | 84th pct |
| Members | 24,692 | 88th pct | 85th pct |
| Net worth ratio | 8.39% | 6th pct | 10th pct |
| Return on average assets | 0.95% | 67th pct | 87th pct |
| Net interest margin | 3.72% | 54th pct | 80th pct |
| Cost of funds | 1.95% | 87th pct | 64th pct |
| Loan-to-share | 84.73% | 78th pct | 46th pct |
| Delinquency 60+ days | 0.47% | 38th pct | 39th pct |
| Net charge-off ratio | 0.18% | 28th pct | 52th pct |
| Loan growth YoY | 3.30% | 77th pct | 77th pct |
| Share growth YoY | 5.93% | 80th pct | 90th pct |
| Efficiency ratio | 72.84% | 31th pct | 11th pct |
structural peer set hash: 0eca6df6f65a037d5507ad4fd1b77713… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.