Credit Union Safety Analysis
Is Ever $ Green Federal Credit Union Safe? Rochester, New York
Based on its Q2 2026 NCUA 5300 call report, Ever $ Green Federal Credit Union has a net worth ratio of 9.53%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.51%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Ever $ Green Federal Credit Union's net worth ratio is 9.53%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.53%
- Delinquency ratio (60+ days) (Q2 2026): 2.51%
- Return on assets (Q2 2026): -0.13%
- Loan-to-share ratio (Q2 2026): 57.16%
Ever $ Green Federal Credit Union (NCUA charter 18649, established 1968) reported $72.6M in assets and 5,228 members for Q2 2026 from Rochester, New York. It ranks 109 of 267 credit unions in New York by total assets. Total assets fell 0.8% from $73.2M on June 30, 2025. It has 121 fewer members than on June 30, 2025 (-2.3%). Its net worth ratio was down 0.60 percentage points from 10.13% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $20.8M of $38.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.51% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 9.64% for Q1 2026; 10.13% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.26% for Q1 2026; 1.42% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.58% for Q1 2026; -0.40% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 57.90% for Q1 2026; 59.04% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $20.8M
- Other secured non-real estate loans and lines of credit: $6.2M
- Used vehicle loans: $5.8M
- Other unsecured loans and lines of credit: $2.7M
- New vehicle loans: $1.9M
- Unsecured credit card loans: $644K
- Non-federally guaranteed student loans: $135K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $72.6M | 9.53% | 2.51% | -0.13% | 57.16% |
| March 31, 2026 | $71.9M | 9.64% | 2.26% | -1.58% | 57.90% |
| December 31, 2025 | $69.2M | 10.43% | 2.07% | -0.26% | 61.75% |
| September 30, 2025 | $70.7M | 10.31% | 1.61% | -0.71% | 62.83% |
| June 30, 2025 | $73.2M | 10.13% | 1.42% | -0.40% | 59.04% |
| March 31, 2025 | $70.9M | 10.57% | 1.25% | -0.53% | 60.25% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Ever $ Green Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18649) · FFIEC NIC profile (RSSD 974987)
Frequently asked questions
Is Ever $ Green Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ever $ Green Federal Credit Union's net worth ratio is 9.53%, above the 7% NCUA threshold for well capitalized.
Is Ever $ Green Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ever $ Green Federal Credit Union is a federally insured credit union (NCUA charter 18649): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ever $ Green Federal Credit Union's key safety ratios?
For Q2 2026, Ever $ Green Federal Credit Union reports net worth 9.53%, delinquency 2.51%, ROA -0.13%, loan-to-share 57.16%.
What happens to my money if Ever $ Green Federal Credit Union fails?
For Q2 2026, Ever $ Green Federal Credit Union held $66.7M in shares and deposits for 5,228 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.