EVERGLADES
Charter #24204 · Clewiston, FL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.10% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.38% sits at the 20th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.51% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 90.18% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 36th — a 20-point gap showing why the peer definition matters.
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 | EVERGLADES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $55.90M | 16th pct | 36th pct |
| Members | 5,458 | 57th pct | 49th pct |
| Net worth ratio | 10.03% | 21th pct | 26th pct |
| Return on average assets | 0.10% | 17th pct | 10th pct |
| Net interest margin | 3.38% | 32th pct | 20th pct |
| Cost of funds | 0.83% | 44th pct | 52th pct |
| Loan-to-share | 67.71% | 62th pct | 52th pct |
| Delinquency 60+ days | 0.29% | 27th pct | 36th pct |
| Net charge-off ratio | 0.51% | 72th pct | 75th pct |
| Loan growth YoY | -3.36% | 32th pct | 41th pct |
| Share growth YoY | 2.97% | 51th pct | 48th pct |
| Efficiency ratio | 90.18% | 80th pct | 77th pct |
structural peer set hash: 8add70dd3d31090d3d27d36c7143bf79… (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.