Federal credit union · ROCHESTER, New York · NCUA charter #18649
Ever $ Green
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $69.2M
- Total assets
- 5,282
- Members
- 9.6%
- Net-worth ratio
Ever $ Green scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $69.2M; members 5,282; net-worth ratio 9.64%; health rank #4,002 of 4,374; healthier than 8th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,002 of 4,374 health · 2025Q4Ever $ Green · health 62/100 · $69.2M · 2025Q4
- NCUSIF 62/100
- CAMELS 9.6%
- HEALTH 2.07%
- NW -0.37%
- DELQ $69.2M
- ROA 5,282
- ASSETS #4,002/4,374
- MEM Meridian Mutual
- RANK 18649
Call Report peers
Ever $ Green in the assets neighbourhood
Ever $ Green's $69.2M assets sit next to Meridian Mutual ($69.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ever $ Green vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Ever $ Green - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #18649. See our deposit-insurance coverage note.
Peer-gap read for Ever $ Green
- Net Worth Ratio trails the peer set - 9.64% here, 13.62% peer average (-3.98 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ever $ Green: in-state Call Report ranks
- New York health ordinal: #238 of 272.
- New York assets place: #110 of 272.
- Membership ranks #106 of 272 among New York CUs with a reported count (5,282 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Ever $ Green
Ever $ Green: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $69.2M (2025Q4) to $71.9M (2026Q1).
- Net-worth ratio shifted -0.79 pp (10.43% → 9.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 12.1 pts
- Return on Assets 1.2 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 13.4 pts
Ever $ Green vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.64% | -3.98 pp |
| Delinquency Rate | 2.07% | +1.10 pp |
| Return on Assets | -0.37% | -1.03 pp |
| Member Growth | -1.53% | - |
| Loan-to-Share Ratio | 61.75% | -0.85 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Ever $ Green filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $71.9M | - |
| 2025Q4 | $69.2M | 5,282 |
| 2024Q4 | $69.8M | 5,364 |
| 2023Q4 | $69.6M | 5,369 |
Credit Union Details
- Charter Number
- 18649
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- ROCHESTER
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Ever $ Green, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Rochester, NY |
| Irondequoit Branch | Rochester, NY |
| St Pius X Federal Credit Union | Rochester, NY |
| COCC | Southington, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Ever $ Green nationwide neighbourhoods
Ever $ Green's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($69.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- Ever $ Green ranks #4,002 of 4,374 nationally on financial health and #238 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Niagara is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Niagara
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Ever $ Green financially healthy?
Yes/no aside, the number is 62/100 (Good) - Ever $ Green's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,002 of 4,374; by total assets it ranks #2,150 of 4,374 nationally (same basis as /rankings/largest); and #110 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.64% net worth ratio and 2.07% delinquency rate are the key drivers.
How does Ever $ Green compare to other credit unions?
62/100 is Ever $ Green's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Ever $ Green?
Ever $ Green operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Ever $ Green directly for the exact boundaries and application steps.
Is my money safe at Ever $ Green?
Federal credit unions like Ever $ Green are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Ever $ Green's net worth ratio of 9.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ever $ Green offer compared to banks?
Credit unions like Ever $ Green are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Ever $ Green directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.