State credit union · NEENAH, Wisconsin · NCUA charter #66395
EVERGREEN
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $64.5M
- Total assets
- 3,399
- Members
- 13.9%
- Net-worth ratio
EVERGREEN scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $64.5M; members 3,399; net-worth ratio 13.94%; health rank #606 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#606 of 4,374 health · 2025Q4EVERGREEN · health 93/100 · $64.5M · 2025Q4
- MEM 93/100
- RANK 13.9%
- PHOTO 0.67%
- BOOK 1.39%
- CHARTER $64.5M
- NCUSIF 3,399
- CAMELS #606/4,374
- HEALTH LOCO
- NW 66395
Call Report peers
EVERGREEN in the assets neighbourhood
EVERGREEN's $64.5M assets sit next to LOCO ($64.5M) 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.
EVERGREEN 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
93 Top 16% higher than 84% 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
EVERGREEN - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66395, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
EVERGREEN: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +22.33 pp (84.93% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
EVERGREEN: in-state Call Report ranks
- In Wisconsin, health place is #23 of 100 on the same NCUA-ratio sort used nationally.
- By total assets, EVERGREEN is #58 of 100 in Wisconsin.
- Wisconsin membership ordinal: #64 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for EVERGREEN
EVERGREEN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $64.5M (2025Q4) to $63.9M (2026Q1).
- Net-worth ratio shifted +0.25 pp (13.69% → 13.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.5 pts
EVERGREEN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.94% | +0.32 pp |
| Delinquency Rate | 0.67% | -0.29 pp |
| Return on Assets | 1.39% | +0.74 pp |
| Member Growth | 0.21% | - |
| Loan-to-Share Ratio | 84.93% | +22.33 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 | $63.9M | - |
| 2025Q4 | $64.5M | 3,399 |
| 2024Q4 | $57.6M | 3,392 |
| 2023Q4 | $57.9M | 3,407 |
Credit Union Details
- Charter Number
- 66395
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Wisconsin
- City
- NEENAH
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, EVERGREEN runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Evergreen Credit Union (Main Office) | Neenah, WI |
| Evergreen Credit Union | Appleton, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
Other-state peers near EVERGREEN
Two NCUA Call Report peer sets for EVERGREEN, both outside Wisconsin 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 ($64.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- EVERGREEN ranks #606 of 4,374 nationally on financial health and #23 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AVESTAR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AVESTAR
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 EVERGREEN financially healthy?
EVERGREEN scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #606 of 4,374; by total assets it ranks #2,204 of 4,374 nationally (same basis as /rankings/largest); and #58 of 100 within Wisconsin. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.94% net worth ratio and a 0.67% delinquency rate.
How does EVERGREEN compare to other credit unions?
Five weighted metrics from NCUA filings produce EVERGREEN's 93/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 EVERGREEN?
Membership eligibility for EVERGREEN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EVERGREEN directly for current membership requirements and application steps.
Is my money safe at EVERGREEN?
Federal credit unions like EVERGREEN 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. EVERGREEN's net worth ratio of 13.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EVERGREEN offer compared to banks?
Credit unions like EVERGREEN 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 EVERGREEN 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.