EVEREST
Charter #24906 · Jackson Heights, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.06% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 7.34% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 5.86% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.28% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 93rd percentile but its structural peers at the 25th — a 69-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 | EVEREST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.99M | 93th pct | 25th pct |
| Members | 2,436 | 98th pct | 67th pct |
| Net worth ratio | 7.06% | 3th pct | 7th pct |
| Return on average assets | -0.57% | 21th pct | 26th pct |
| Net interest margin | 7.34% | 97th pct | 98th pct |
| Cost of funds | 1.47% | 78th pct | 67th pct |
| Loan-to-share | 56.17% | 48th pct | 36th pct |
| Delinquency 60+ days | 5.86% | 89th pct | 97th pct |
| Net charge-off ratio | 2.28% | 92th pct | 90th pct |
| Loan growth YoY | 0.20% | 75th pct | 75th pct |
| Share growth YoY | -17.47% | 2th pct | 2th pct |
| Efficiency ratio | 94.45% | 63th pct | 52th pct |
structural peer set hash: c36b817f28dd79a9bfca2f492d2617a3… (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.