Everwise Credit Union South Bend, Indiana
Everwise Credit Union is a state-chartered credit union headquartered in South Bend, IN, established in 1931 (NCUA charter 60060), and it is regulated and insured by the NCUA. At Q2 2026 it reported 300,386 members and total assets of $5.78B (up 4.5% from Q2 2025), the largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 9.11% at Q2 2026, in the well capitalized band.
Also written as Everwise CU
BankRegReports is independent of Everwise Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60060
- Headquarters
- South Bend, IN
- Established
- 1931
- Total assets, Q2 2026
- $5.78B
- Assets vs Q2 2025
- +4.5%
- Members, Q2 2026
- 300,386
- Net worth ratio, Q2 2026
- 9.11%
- Latest call report
- Q2 2026, NCUA 5300 · Everwise Credit Union call report
- Asset rank in state
- 1st of 118 in Indiana
- Routing number
- 271291826
- Branches
- 50
It has 2,957 more members than on June 30, 2025 (+1.0%). Its net worth ratio was up 0.26 percentage points from 8.85% on June 30, 2025. Commercial loans are its largest loan category, $1.52B of $4.56B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.91% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.11% net worth ratio is below that band's 10.89% median.
Frequently asked about Everwise Credit Union
How big is Everwise Credit Union?
At Q2 2026 it reported total assets of $5.78B and 300,386 members.
Where is Everwise Credit Union headquartered?
It is headquartered in South Bend, IN, United States.
When was Everwise Credit Union founded?
It was established in 1931, per NCUA records.
Is Everwise Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60060): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Everwise Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Everwise Credit Union well capitalized?
Its net worth ratio was 9.11% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Everwise Credit Union's delinquency ratio?
Its delinquency ratio was 0.91% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Everwise Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 90.03% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- South Bend, IN 46601
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1931
- NCUA Charter #
- 60060
- RSSD ID
- 275590
- Members
- 300,386
- Potential members
- 6,877,200
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.11% | 10.89% | 13th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.97% | 0.89% | 56th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.70% | 8.07% | 73rd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.16% | 3.45% | 32nd below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 62.21% | 70.59% | 77th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.22% | 1.68% | 16th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.91% | 0.68% | 34th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.38% | 5.12% | 70th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 90.03% | 88.03% | 57th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.78B total assets against $5.53B; $5.07B total shares and deposits against $4.94B; $4.56B total loans against $4.37B.
$526.6M net worth against $490.0M.
9.11% net worth ratio against 8.85%.
90.03% loan-to-share ratio against 88.61%.
0.91% delinquency ratio against 0.80%.
0.97% return on assets against 0.51%; 10.70% return on equity against 5.81%.
3.16% net interest margin against 2.90%.
300,386 members against 297,429.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.11% | 0.97% | 0.91% | 90.03% |
| March 31, 2026 | 8.99% | 0.52% | 0.67% | 88.96% |
| December 31, 2025 | 8.95% | 0.88% | 1.04% | 88.26% |
| September 30, 2025 | 9.02% | 0.74% | 0.89% | 90.53% |
| June 30, 2025 | 8.85% | 0.51% | 0.80% | 88.61% |
| March 31, 2025 | 8.95% | 0.61% | 0.69% | 88.19% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.