EVERWISE
Charter #60060 · South Bend, IN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.99% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 0.52% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 2.50% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.82% sits at the 82nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 41st — a 16-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 | EVERWISE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.70B | 85th pct | 80th pct |
| Members | 298,815 | 84th pct | 74th pct |
| Net worth ratio | 8.99% | 12th pct | 11th pct |
| Return on average assets | 0.52% | 31th pct | 18th pct |
| Net interest margin | 3.06% | 32th pct | 30th pct |
| Cost of funds | 2.50% | 86th pct | 77th pct |
| Loan-to-share | 88.96% | 57th pct | 41th pct |
| Delinquency 60+ days | 0.67% | 54th pct | 51th pct |
| Net charge-off ratio | 0.82% | 76th pct | 82th pct |
| Loan growth YoY | 0.07% | 28th pct | 23th pct |
| Share growth YoY | 1.84% | 17th pct | 12th pct |
| Efficiency ratio | 70.16% | 41th pct | 54th pct |
structural peer set hash: 0d4f7b921bdd78b04f791ed8ba853c81… (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.