State credit union · South Bend, Indiana · NCUA charter #60060
EVERWISE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $5.64B
- Total assets
- 298,229
- Members
- 9.0%
- Net-worth ratio
EVERWISE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.64B; members 298,229; net-worth ratio 8.99%; health rank #1,723 of 4,374; healthier than 60th of scored peers.
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#1,723 of 4,374 health · 2025Q4EVERWISE · health 87/100 · $5.64B · 2025Q4
Call Report peers
EVERWISE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EVERWISE vs every NCUA-scored credit union
EVERWISE sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Where EVERWISE diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 88.26% vs peer 83.90% (+4.36 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.19 pp (8.99% vs 11.18%).
Where EVERWISE sits in Indiana
- In Indiana, health place is #51 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #1 of 124.
- Membership ranks #1 of 124 among Indiana CUs with a reported count (298,229 members).
- One place up in Indiana, Hobart Ind School Employees (#50) ties at 87/100; one place down, CRANE (#52) scores 86/100, 1 point lower.
EVERWISE: 2025Q4 → 2026Q1
EVERWISE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $5.64B (2025Q4) to $5.70B (2026Q1).
- Net-worth ratio shifted +0.04 pp (8.95% → 8.99%).
At 8.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
EVERWISE gives up 13 points in total. Member Growth costs the most, 5.4 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 19.7 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 15.2 pts
EVERWISE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.99% | -2.19 pp |
| Delinquency Rate | 1.04% | +0.17 pp |
| Return on Assets | 0.51% | +0.00 pp |
| Member Growth | 0.47% | - |
| Loan-to-Share Ratio | 88.26% | +4.36 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - EVERWISE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.70B | - |
| 2025Q4 | $5.64B | 298,229 |
| 2024Q4 | $5.25B | 296,844 |
| 2023Q4 | $5.17B | 303,315 |
Credit Union Details
- Charter Number
- 60060
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Indiana
- City
- South Bend
- Data Quarter
- 2025Q4
Branch Locations (49)
EVERWISE operates 49 offices across 30 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate 11 (Main Office) | South Bend, IN |
| Avon 26 | Avon, IN |
| Meijer Carmel 27 | Carmel, IN |
| Carmel Drive 69 | Carmel, IN |
| Chesterton 51 | Chesterton, IN |
| Crawfordsville 18 | Crawfordsville, IN |
| Concord 24 | Elkhart, IN |
| County Road 6 29 | Elkhart, IN |
| SR19 57 | Elkhart, IN |
| Allisonville 47 | Fishers, IN |
| Gary 54 | Gary, IN |
| Martins Goshen 40 | Goshen, IN |
| University Park 13 | Granger, IN |
| Granger 42 | Granger, IN |
| Greencastle 16 | Greencastle, IN |
| Meijer Greenwood 36 | Greenwood, IN |
| Worthsville 62 | Greenwood, IN |
| Huntington 15 | Huntington, IN |
| Emerson 21 | Indianapolis, IN |
| Meijer Fisher 28 | Indianapolis, IN |
| Meijer Pike Plaza 37 | Indianapolis, IN |
| Meridian 8 | Indianapolis, IN |
| One North Capitol 33 | Indianapolis, IN |
| Park 100 30 | Indianapolis, IN |
| Shadeland 9 | Indianapolis, IN |
| Post Rd 53 | Indianapolis, IN |
| Bittersweet 34 | Mishawaka, IN |
| Meijer 331 43 | Mishawaka, IN |
| Mishawaka 4 | Mishawaka, IN |
| New Albany 52 | New Albany, IN |
| New Buffalo 66 | New Buffalo, MI |
| Niles 35 | Niles, MI |
| Meijer Noblesville 38 | Noblesville, IN |
| Meijer Plainfield 58 | Plainfield, IN |
| Plymouth East 3 | Plymouth, IN |
| Plymouth West 17 | Plymouth, IN |
| Rochester 10 | Rochester, IN |
| St. John 46 | Saint John, IN |
| Sawyer 67 | Sawyer, MI |
| Ireland Road 7 | South Bend, IN |
| Lincolnway West 32 | South Bend, IN |
| Portage 31 | South Bend, IN |
| Three Oaks 68 | Three Oaks, MI |
| Valparaiso South 48 | Valparaiso, IN |
| Walkerton 2 | Walkerton, IN |
| Warsaw North 41 | Warsaw, IN |
| Warsaw South 6 | Warsaw, IN |
| Westfield 72 | Westfield, IN |
| Whiting 45 | Whiting, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- EVERWISE ranks #1,723 of 4,374 nationally on financial health and #51 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LIBERTY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LIBERTY
Frequently Asked Questions
Is EVERWISE financially healthy?
EVERWISE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,723 of 4,374 nationally on health and #51 of 124 in Indiana. Its net worth ratio is 8.99% and its delinquency rate 1.04%.
How does EVERWISE compare to other credit unions?
EVERWISE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.26% vs 83.90%). Its widest shortfall is net worth ratio (8.99% vs 11.18%).
How can I join EVERWISE?
Membership eligibility for EVERWISE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EVERWISE directly for current membership requirements and application steps.
Is my money safe at EVERWISE?
EVERWISE 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. EVERWISE's net worth ratio of 8.99% 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.