Federal credit union · Jackson Heights, New York · NCUA charter #24906
EVEREST
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $8.8M
- Total assets
- 2,332
- Members
- 7.1%
- Net-worth ratio
EVEREST scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.8M; members 2,332; net-worth ratio 7.06%; health rank #3,895 of 4,374; healthier than 11th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,895 of 4,374 health · 2025Q4EVEREST · health 65/100 · $8.8M · 2025Q4
- NCUSIF 65/100
- CAMELS 7.1%
- HEALTH 7.24%
- NW 1.43%
- DELQ $8.8M
- ROA 2,332
- ASSETS #3,895/4,374
- MEM n/a
- RANK 24906
Call Report peers
EVEREST carries $8.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EVEREST 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
65 11th percentile higher than 11% 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
EVEREST - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24906, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
EVEREST: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +0.98 pp (1.43% vs 0.45%).
- Largest lag: Net Worth Ratio at 7.06% vs peer 19.06% (-12.00 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
EVEREST in New York
- Health composite ranks #228 of 272 among scored New York credit unions.
- New York assets place: #215 of 272.
- New York membership ordinal: #165 of 272.
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 EVEREST
EVEREST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $8.8M (2025Q4) to $9.0M (2026Q1).
- Net-worth ratio shifted -0.33 pp (7.39% → 7.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 22.6 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.06% | -12.00 pp |
| Delinquency Rate | 7.24% | +5.44 pp |
| Return on Assets | 1.43% | +0.98 pp |
| Member Growth | 40.06% | - |
| Loan-to-Share Ratio | 57.47% | -6.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - EVEREST
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.0M | - |
| 2025Q4 | $8.8M | 2,332 |
| 2024Q4 | $4.8M | 1,665 |
| 2023Q4 | $2.7M | 995 |
Credit Union Details
- Charter Number
- 24906
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $2M–$10M
- State
- New York
- City
- Jackson Heights
- Data Quarter
- 2025Q4
Branch Locations (4)
EVEREST operates 4 offices across 4 cities, spanning 4 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Head Office-Queens NY (Main Office) | Jackson Heights, NY |
| TX Service Location | Euless, TX |
| Virginia | Fairfax, VA |
| Ohio Service Location | REYNOLDSBURG, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
EVEREST nationwide neighbourhoods
EVEREST's nationwide photo peers by assets and by health score, excluding New York charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- EVEREST ranks #3,895 of 4,374 nationally on financial health and #228 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Seneca Nation of Indians is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Seneca Nation of Indians
- 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 EVEREST financially healthy?
A 7.06% net worth ratio and a 7.24% delinquency rate feed into EVEREST's financial health score of 65/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,895 of 4,374; by total assets it ranks #3,621 of 4,374 nationally (same basis as /rankings/largest); and #215 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does EVEREST compare to other credit unions?
On PlainCU's health composite, EVEREST lands at 65/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 EVEREST?
EVEREST serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact EVEREST directly for the current list of qualifying groups.
Is my money safe at EVEREST?
Federal credit unions like EVEREST 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. EVEREST's net worth ratio of 7.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EVEREST offer compared to banks?
Credit unions like EVEREST 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 EVEREST 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.