Federal credit union · Clewiston, Florida · NCUA charter #24204
EVERGLADES
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $55.4M
- Total assets
- 5,431
- Members
- 10.0%
- Net-worth ratio
EVERGLADES scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $55.4M; members 5,431; net-worth ratio 10.03%; health rank #2,884 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,884 of 4,374 health · 2025Q4EVERGLADES · health 79/100 · $55.4M · 2025Q4
- DELQ 79/100
- ROA 10.0%
- ASSETS 0.79%
- MEM -0.24%
- RANK $55.4M
- PHOTO 5,431
- BOOK #2,884/4,374
- CHARTER United Northwest
- NCUSIF 24204
Call Report peers
EVERGLADES in the assets neighbourhood
EVERGLADES's $55.4M assets sit next to United Northwest ($55.4M) 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.
EVERGLADES 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
79 33rd percentile higher than 33% 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
EVERGLADES - Share Insurance Coverage
Charter #24204'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.
EVERGLADES vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +6.94 pp (69.54% vs 62.60%).
- Largest lag: Net Worth Ratio at 10.03% vs peer 13.62% (-3.59 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
EVERGLADES in Florida
- Health composite ranks #88 of 109 among scored Florida credit unions.
- Assets rank #80 of 109 inside Florida ($55.4M reported).
- Membership ranks #75 of 109 among Florida CUs with a reported count (5,431 members).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for EVERGLADES
EVERGLADES: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $55.4M (2025Q4) to $55.9M (2026Q1).
- Net-worth ratio shifted -0.14 pp (10.17% → 10.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 2.4 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for EVERGLADES
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.03% | -3.59 pp |
| Delinquency Rate | 0.79% | -0.18 pp |
| Return on Assets | -0.24% | -0.90 pp |
| Member Growth | 0.20% | - |
| Loan-to-Share Ratio | 69.54% | +6.94 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.9M | - |
| 2025Q4 | $55.4M | 5,431 |
| 2024Q4 | $54.5M | 5,420 |
| 2023Q4 | $56.0M | 5,462 |
Credit Union Details
- Charter Number
- 24204
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Florida
- City
- Clewiston
- Data Quarter
- 2025Q4
Branch Location
EVERGLADES operates a single office in Clewiston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Clewiston, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
EVERGLADES nationwide neighbourhoods
EVERGLADES's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($55.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- EVERGLADES ranks #2,884 of 4,374 nationally on financial health and #88 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PRIORITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PRIORITY
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 EVERGLADES financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - EVERGLADES'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 #2,884 of 4,374; by total assets it ranks #2,324 of 4,374 nationally (same basis as /rankings/largest); and #80 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.03% net worth ratio and 0.79% delinquency rate are the key drivers.
How does EVERGLADES compare to other credit unions?
EVERGLADES scores 79/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 EVERGLADES?
EVERGLADES 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 EVERGLADES directly for the exact boundaries and application steps.
Is my money safe at EVERGLADES?
Federal credit unions like EVERGLADES 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. EVERGLADES's net worth ratio of 10.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EVERGLADES offer compared to banks?
Credit unions like EVERGLADES 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 EVERGLADES 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.