EVERGREEN
Charter #68038 · Portland, ME · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 32,688 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 7.93% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 0.76% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.31% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 66th percentile but its structural peers at the 38th — a 28-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 | EVERGREEN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $641.42M | 34th pct | 28th pct |
| Members | 32,688 | 23th pct | 25th pct |
| Net worth ratio | 7.93% | 7th pct | 13th pct |
| Return on average assets | 0.76% | 59th pct | 75th pct |
| Net interest margin | 3.53% | 50th pct | 72th pct |
| Cost of funds | 1.31% | 38th pct | 23th pct |
| Loan-to-share | 79.97% | 47th pct | 31th pct |
| Delinquency 60+ days | 0.90% | 74th pct | 61th pct |
| Net charge-off ratio | 0.27% | 30th pct | 39th pct |
| Loan growth YoY | 3.53% | 78th pct | 80th pct |
| Share growth YoY | 2.17% | 24th pct | 26th pct |
| Efficiency ratio | 81.72% | 66th pct | 38th pct |
structural peer set hash: 7fb2beae813ab797c60e1a2bb487684d… (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.