State credit union · Portland, Maine · NCUA charter #68038
EVERGREEN
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $627.0M
- Total assets
- 32,257
- Members
- 7.9%
- Net-worth ratio
EVERGREEN scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $627.0M; members 32,257; net-worth ratio 7.93%; health rank #1,535 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,535 of 4,374 health · 2025Q4EVERGREEN · health 88/100 · $627.0M · 2025Q4
Call Report peers
EVERGREEN in the assets neighbourhood
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EVERGREEN vs every NCUA-scored credit union
EVERGREEN sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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 vs Over $500M peers
- Net Worth Ratio trails the peer set - 7.93% here, 11.18% peer average (-3.25 pp).
EVERGREEN in Maine
- Health composite ranks #27 of 48 among scored Maine credit unions.
- By total assets, EVERGREEN is #4 of 48 in Maine.
- Member book place in Maine: #6 of 48.
- One place up in Maine, Maine Family (#26) ties at 88/100; one place down, Coast Line (#28) scores 87/100, 1 point lower.
Quarter path for EVERGREEN
EVERGREEN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $627.0M (2025Q4) to $641.4M (2026Q1).
- Net-worth ratio shifted +0.03 pp (7.90% → 7.93%).
At 7.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
EVERGREEN gives up 12 points in total. Net Worth Ratio costs the most, 5.2 of its 30; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 24.8 pts
- Delinquency Rate 19.9 pts
- Return on Assets 14.8 pts
- Member Growth 13.8 pts
- Loan-to-Share Ratio 14.7 pts
EVERGREEN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.93% | -3.25 pp |
| Delinquency Rate | 1.01% | +0.13 pp |
| Return on Assets | 0.49% | -0.02 pp |
| Member Growth | 4.00% | - |
| Loan-to-Share Ratio | 80.73% | -3.17 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
EVERGREEN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $641.4M | - |
| 2025Q4 | $627.0M | 32,257 |
| 2024Q4 | $569.6M | 31,016 |
| 2023Q4 | $538.8M | 29,541 |
Credit Union Details
- Charter Number
- 68038
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Maine
- City
- Portland
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, EVERGREEN runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Portland (Main Office) | Portland, ME |
| Naples | Naples, ME |
| Scarborough | Scarborough, ME |
| South Portland | South Portland, ME |
| Windham | Windham, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
A look at other Maine credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- EVERGREEN ranks #1,535 of 4,374 nationally on financial health and #27 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Town & Country is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Town & Country
Frequently Asked Questions
Is EVERGREEN financially healthy?
EVERGREEN has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,535 of 4,374 nationally on health and #27 of 48 in Maine. Its net worth ratio is 7.93% and its delinquency rate 1.01%.
How does EVERGREEN compare to other credit unions?
EVERGREEN scores 88/100, higher than 65% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (7.93% vs 11.18%).
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?
EVERGREEN is a state-chartered credit union; its shares are federally 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 7.93% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.