Credit Union Safety Analysis
Is Everwise Credit Union Safe? South Bend, Indiana
Based on its Q2 2026 NCUA 5300 call report, Everwise Credit Union has a net worth ratio of 9.11%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.91%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Everwise Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Everwise Credit Union's net worth ratio is 9.11%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.11%
- Delinquency ratio (60+ days) (Q2 2026): 0.91%
- Return on assets (Q2 2026): 0.97%
- Loan-to-share ratio (Q2 2026): 90.03%
Everwise Credit Union (NCUA charter 60060, established 1931) reported $5.78B in assets and 300,386 members for Q2 2026 from South Bend, Indiana. It is the largest of 118 credit unions in Indiana by total assets. Total assets grew 4.5% from $5.53B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.99% for Q1 2026; 8.85% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.67% for Q1 2026; 0.80% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.52% for Q1 2026; 0.51% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 88.96% for Q1 2026; 88.61% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $1.52B
- 1- to 4-family residential and other consumer real estate loans: $1.47B
- Used vehicle loans: $1.11B
- New vehicle loans: $309.2M
- Unsecured credit card loans: $83.7M
- Other unsecured loans and lines of credit: $43.7M
- Other secured non-real estate loans and lines of credit: $18.5M
- Non-federally guaranteed student loans: $4.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.78B | 9.11% | 0.91% | 0.97% | 90.03% |
| March 31, 2026 | $5.70B | 8.99% | 0.67% | 0.52% | 88.96% |
| December 31, 2025 | $5.64B | 8.95% | 1.04% | 0.88% | 88.26% |
| September 30, 2025 | $5.54B | 9.02% | 0.89% | 0.74% | 90.53% |
| June 30, 2025 | $5.53B | 8.85% | 0.80% | 0.51% | 88.61% |
| March 31, 2025 | $5.38B | 8.95% | 0.69% | 0.61% | 88.19% |
Add this badge to your website
Free to use. It shows Everwise Credit Union’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 60060) · FFIEC NIC profile (RSSD 275590)
Frequently asked questions
Is Everwise Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Everwise Credit Union's net worth ratio is 9.11%, above the 7% NCUA threshold for well capitalized.
Is Everwise Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Everwise Credit Union is a federally insured credit union (NCUA charter 60060): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Everwise Credit Union's key safety ratios?
For Q2 2026, Everwise Credit Union reports net worth 9.11%, delinquency 0.91%, ROA 0.97%, loan-to-share 90.03%.
What happens to my money if Everwise Credit Union fails?
For Q2 2026, Everwise Credit Union held $5.07B in shares and deposits for 300,386 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.