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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,723 of 4,374 health · 2025Q4EVERWISE · health 87/100 · $5.64B · 2025Q4
- MEM 87/100
- RANK 9.0%
- PHOTO 1.04%
- BOOK 0.51%
- CHARTER $5.64B
- NCUSIF 298,229
- CAMELS #1,723/4,374
- HEALTH LANGLEY
- NW 60060
Call Report peers
EVERWISE in the assets neighbourhood
EVERWISE's $5.64B assets sit next to LANGLEY ($5.65B) 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.
EVERWISE 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
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
EVERWISE - Share Insurance Coverage
Charter #60060'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.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
EVERWISE: 2025Q4 → 2026Q1
EVERWISE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $5.64B (2025Q4) to $5.70B (2026Q1).
- Net-worth ratio shifted +0.04 pp (8.95% → 8.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for EVERWISE - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.64B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 EVERWISE financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - EVERWISE'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 #1,723 of 4,374; by total assets it ranks #73 of 4,374 nationally (same basis as /rankings/largest); and #1 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.99% net worth ratio and 1.04% delinquency rate are the key drivers.
How does EVERWISE compare to other credit unions?
EVERWISE scores 87/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 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?
Federal credit unions like EVERWISE 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. EVERWISE's net worth ratio of 8.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EVERWISE offer compared to banks?
Credit unions like EVERWISE 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 EVERWISE 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.