Evolve

El Paso, TX · 1 · Charter #1792 · WWW.evolveFCU.ORG
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$323.5M
22th percentile
Members
14,231
8th percentile
Total loans
$207.5M
23th percentile
Total shares
$280.6M
23th percentile

Profitability

Return on assets
-0.11%
4th percentile
Net interest margin
2.51%
7th percentile
Efficiency ratio
77.03%
3th percentile
Non-interest income ratio
24.64%
79th percentile

Capital & Risk

Net worth ratio
10.76%
48th percentile
Delinquency rate
0.47%
74th percentile
Net charge-off rate
0.27%
67th percentile
Loan-to-share
73.93%
34th percentile

Growth

Member growth YoY
-2.95%
17th percentile
Asset growth YoY
1.37%
20th percentile
Loan growth YoY
-4.62%
9th percentile
Share growth YoY
2.29%
30th percentile

Operations

Members / branch
1,779
2th percentile
Assets / member
$22,730
86th percentile
Field of membership penetration
1.31%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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