EVOLVE
Charter #1792 · El Paso, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.19% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.52% sits at the 0th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.04% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.30% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 99.95% sits at the 98th percentile of structural peers — worth a closer look.
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 | EVOLVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $324.45M | 77th pct | 75th pct |
| Members | 14,099 | 54th pct | 30th pct |
| Net worth ratio | 10.68% | 38th pct | 44th pct |
| Return on average assets | -0.19% | 5th pct | 5th pct |
| Net interest margin | 2.52% | 5th pct | 0th pct |
| Cost of funds | 1.37% | 59th pct | 56th pct |
| Loan-to-share | 72.33% | 51th pct | 49th pct |
| Delinquency 60+ days | 0.04% | 2th pct | 0th pct |
| Net charge-off ratio | 0.30% | 44th pct | 25th pct |
| Loan growth YoY | -2.65% | 19th pct | 18th pct |
| Share growth YoY | 0.29% | 11th pct | 8th pct |
| Efficiency ratio | 99.95% | 97th pct | 98th pct |
structural peer set hash: 23c2b80963207bf41cecd853b2d46252… (reproducible)
Closest structural peers
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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.