Federal credit union · El Paso, Texas · NCUA charter #1792
EVOLVE
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $323.5M
- Total assets
- 14,231
- Members
- 10.7%
- Net-worth ratio
EVOLVE scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $323.5M; members 14,231; net-worth ratio 10.68%; health rank #3,114 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,114 of 4,374 health · 2025Q4EVOLVE · health 77/100 · $323.5M · 2025Q4
Call Report peers
EVOLVE in the assets neighbourhood
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EVOLVE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EVOLVE sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where EVOLVE diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +1.27 pp (73.47% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -1.43 pp (10.68% vs 12.11%).
Texas standing for EVOLVE
- In Texas, health place is #274 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, EVOLVE is #82 of 386 in Texas.
- Texas membership ordinal: #102 of 386.
- One place up in Texas, CITY (#273) ties at 77/100; one place down, FIRSTMARK (#275) ties at 77/100.
Quarter path for EVOLVE
EVOLVE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $323.5M (2025Q4) to $324.5M (2026Q1).
- Net-worth ratio shifted -0.08 pp (10.76% → 10.68%).
At 10.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
EVOLVE gives up 23 points in total. Return on Assets costs the most, 12 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 3.0 pts
- Member Growth 3.7 pts
- Loan-to-Share Ratio 15.3 pts
EVOLVE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.68% | -1.43 pp |
| Delinquency Rate | 0.47% | -0.43 pp |
| Return on Assets | -0.16% | -0.79 pp |
| Member Growth | -2.95% | - |
| Loan-to-Share Ratio | 73.47% | +1.27 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
EVOLVE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $324.5M | - |
| 2025Q4 | $323.5M | 14,231 |
| 2024Q4 | $319.1M | 14,664 |
| 2023Q4 | $334.3M | 15,516 |
Credit Union Details
- Charter Number
- 1792
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- El Paso
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for EVOLVE, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Administration Building (Main Office) | El Paso, TX |
| Downtown | El Paso, TX |
| Drive Thru | El Paso, TX |
| Loan Annex | El Paso, TX |
| Eastside Office | El Paso, TX |
| EASTLAKE | EL PASO, TX |
| Edgemere Branch | EL PASO, TX |
| Paseo | El Paso, TX |
| Las Cruces Branch | Las Cruces, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- EVOLVE ranks #3,114 of 4,374 nationally on financial health and #274 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fort Worth City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fort Worth City
Frequently Asked Questions
Is EVOLVE financially healthy?
EVOLVE has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,114 of 4,374 nationally on health and #274 of 386 in Texas. Its net worth ratio is 10.68% and its delinquency rate 0.47%.
How does EVOLVE compare to other credit unions?
EVOLVE scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (73.47% vs 72.20%). Its widest shortfall is net worth ratio (10.68% vs 12.11%).
How can I join EVOLVE?
EVOLVE 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 EVOLVE directly for the exact boundaries and application steps.
Is my money safe at EVOLVE?
EVOLVE is a federal 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. EVOLVE's net worth ratio of 10.68% 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.