EVERGREENDIRECT
Charter #68546 · Tumwater, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.11% sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.34% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 11th — a 21-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 | EVERGREENDIRECT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $77.61M | 62th pct | 56th pct |
| Members | 4,778 | 45th pct | 39th pct |
| Net worth ratio | 11.19% | 33th pct | 43th pct |
| Return on average assets | 0.11% | 18th pct | 21th pct |
| Net interest margin | 3.99% | 66th pct | 57th pct |
| Cost of funds | 0.81% | 43th pct | 56th pct |
| Loan-to-share | 52.64% | 35th pct | 51th pct |
| Delinquency 60+ days | 0.34% | 32th pct | 11th pct |
| Net charge-off ratio | 0.84% | 85th pct | 74th pct |
| Loan growth YoY | -3.00% | 35th pct | 36th pct |
| Share growth YoY | -3.73% | 3th pct | 3th pct |
| Efficiency ratio | 90.34% | 81th pct | 72th pct |
structural peer set hash: 269090b6f56040e7082a33da7e19eca9… (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.