Everence

Lancaster, PA · 1 · Charter #10223 · www.everence.com
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
$455.4M
51th percentile
Members
24,584
41th percentile
Total loans
$345.5M
59th percentile
Total shares
$401.7M
53th percentile

Profitability

Return on assets
0.70%
33th percentile
Net interest margin
3.42%
47th percentile
Efficiency ratio
52.20%
76th percentile
Non-interest income ratio
10.39%
8th percentile

Capital & Risk

Net worth ratio
8.05%
5th percentile
Delinquency rate
0.70%
51th percentile
Net charge-off rate
0.29%
63th percentile
Loan-to-share
86.01%
64th percentile

Growth

Member growth YoY
1.93%
66th percentile
Asset growth YoY
3.32%
36th percentile
Loan growth YoY
7.48%
68th percentile
Share growth YoY
4.53%
48th percentile

Operations

Members / branch
2,235
5th percentile
Assets / member
$18,525
68th percentile
Field of membership penetration
3.28%
41th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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