Federal credit union · Lancaster, Pennsylvania · NCUA charter #10223
EVERENCE
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $455.4M
- Total assets
- 24,584
- Members
- 8.4%
- Net-worth ratio
EVERENCE scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $455.4M; members 24,584; net-worth ratio 8.39%; health rank #1,171 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,171 of 4,374 health · 2025Q4EVERENCE · health 90/100 · $455.4M · 2025Q4
- HEALTH 90/100
- NW 8.4%
- DELQ 0.70%
- ROA 0.46%
- ASSETS $455.4M
- MEM 24,584
- RANK #1,171/4,374
- PHOTO EARTHMOVER
- BOOK 10223
Call Report peers
EVERENCE in the assets neighbourhood
EVERENCE's $455.4M assets sit next to EARTHMOVER ($456.5M) 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.
EVERENCE 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
90 Top 27% higher than 73% 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
EVERENCE - Share Insurance Coverage
Charter #10223's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where EVERENCE diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +13.81 pp (86.01% vs 72.20%).
- Largest lag: Net Worth Ratio at 8.39% vs peer 12.11% (-3.72 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where EVERENCE sits in Pennsylvania
- Health composite ranks #55 of 275 among scored Pennsylvania credit unions.
- By total assets, EVERENCE is #27 of 275 in Pennsylvania.
- Membership ranks #25 of 275 among Pennsylvania CUs with a reported count (24,584 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for EVERENCE
EVERENCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $455.4M (2025Q4) to $450.1M (2026Q1).
- Net-worth ratio shifted +0.16 pp (8.23% → 8.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 26.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 14.4 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for EVERENCE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.39% | -3.72 pp |
| Delinquency Rate | 0.70% | -0.19 pp |
| Return on Assets | 0.46% | -0.16 pp |
| Member Growth | 1.93% | - |
| Loan-to-Share Ratio | 86.01% | +13.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $450.1M | - |
| 2025Q4 | $455.4M | 24,584 |
| 2024Q4 | $440.8M | 24,119 |
| 2023Q4 | $423.7M | 23,430 |
Credit Union Details
- Charter Number
- 10223
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Lancaster
- Data Quarter
- 2025Q4
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for EVERENCE, spread across 10 cities in 5 states.
| Office | City |
|---|---|
| Administrative Center (Main Office) | Lancaster, PA |
| Belleville | Belleville, PA |
| Kidron | Dalton, OH |
| Ephrata | Ephrata, PA |
| Goshen | Goshen, IN |
| Goshen - College Ave | Goshen, IN |
| Harrisonburg | Harrisonburg, VA |
| Lincoln Hwy | Lancaster, PA |
| Lititz Landis Homes | Lititz, PA |
| Mount Joy | Mount Joy, PA |
| Philadelphia | Philadelphia, PA |
| Sarasota | Sarasota, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for EVERENCE, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($455.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- EVERENCE ranks #1,171 of 4,374 nationally on financial health and #55 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WIDGET is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WIDGET
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 EVERENCE financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - EVERENCE'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 #1,171 of 4,374; by total assets it ranks #794 of 4,374 nationally (same basis as /rankings/largest); and #27 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.39% net worth ratio and 0.70% delinquency rate are the key drivers.
How does EVERENCE compare to other credit unions?
Five weighted metrics from NCUA filings produce EVERENCE's 90/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 EVERENCE?
EVERENCE 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 EVERENCE directly for the exact boundaries and application steps.
Is my money safe at EVERENCE?
Federal credit unions like EVERENCE 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. EVERENCE's net worth ratio of 8.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EVERENCE offer compared to banks?
Credit unions like EVERENCE 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 EVERENCE 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.