Everwise Credit Union (NCUA charter #60060) is based in South Bend, Indiana. Its Q2 2026 call report shows $5.8B in total assets and $5.1B in member shares and deposits and 32 offices across 2 states.
Based on its Q2 2026 filing, Everwise Credit Union scores 56/100, which we describe as moderate. That is higher than only 15% of 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Indiana, it ranks 105th. Its strongest component is problem-loan coverage (82/100; 8.8%), and its lowest is capital cushion (41/100; 9.11%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (55 → 56).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 56 |
| Q4 2024 | 54 |
| Q1 2025 | 57 |
| Q2 2025 | 55 |
| Q3 2025 | 55 |
| Q4 2025 | 54 |
| Q1 2026 | 57 |
| Q2 2026 | 56 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.05% |
| Q3 2024 | 9.16% |
| Q4 2024 | 9.03% |
| Q1 2025 | 8.95% |
| Q2 2025 | 8.85% |
| Q3 2025 | 9.02% |
| Q4 2025 | 8.95% |
| Q1 2026 | 8.99% |
| Q2 2026 | 9.11% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.80% |
| Q3 2025 | 0.89% |
| Q4 2025 | 1.04% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.91% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $5.8B | 9.11% | 0.91% | 0.74% | 90.0% |
| Q1 2026 | 57 | $5.7B | 8.99% | 0.67% | 0.52% | 89.0% |
| Q4 2025 | 54 | $5.6B | 8.95% | 1.04% | 0.67% | 88.3% |
| Q3 2025 | 55 | $5.5B | 9.02% | 0.89% | 0.61% | 90.5% |
| Q2 2025 | 55 | $5.5B | 8.85% | 0.80% | 0.55% | 88.6% |
| Q1 2025 | 57 | $5.4B | 8.95% | 0.69% | 0.61% | 88.2% |
| Q4 2024 | 54 | $5.2B | 9.03% | 0.92% | 0.55% | 89.4% |
| Q3 2024 | 56 | $5.2B | 9.16% | 0.77% | 0.60% | 93.3% |
| Q2 2024 | 54 | $5.2B | 9.05% | 1.00% | 0.63% | 93.3% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Liberty Federal Credit UnionCredit union Evansville, IN | 73 out of 100, Strong | $4.8B | 10.9% | 0.45% | vs |
| Indiana Members Credit UnionCredit union Indianapolis, IN | 74 out of 100, Strong | $3.6B | 10.6% | 0.49% | vs |
| Three Rivers Federal Credit UnionCredit union Fort Wayne, IN | 78 out of 100, Strong | $2.9B | 13.9% | 1.47% | vs |
| Elements Financial Federal Credit UnionCredit union Indianapolis, IN | 77 out of 100, Strong | $2.5B | 11.9% | 0.46% | vs |
| Centra Credit UnionCredit union Columbus, IN | 73 out of 100, Strong | $2.4B | 12.3% | 0.96% | vs |
| Forum Credit UnionCredit union Indianapolis, IN | 80 out of 100, Strong | $2.3B | 13.3% | 0.31% | vs |
Deposit insurance
Is my money safe at Everwise Credit Union?
Yes. Everwise Credit Union is a federally insured credit union (NCUA charter #60060). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 29.0% of shares and deposits ($1.5B) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.11%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
32 locations
Branches
Everwise Credit Union lists 32 offices in 18 cities across 2 states. Most locations:
- Indianapolis, IN (7)
- South Bend, IN (4)
- Elkhart, IN (2)
- Granger, IN (2)
- Mishawaka, IN (2)
- Plymouth, IN (2)
- Warsaw, IN (2)
- Avon, IN (1)
- Crawfordsville, IN (1)
- Goshen, IN (1)
- Greencastle, IN (1)
- Greenwood, IN (1)
HMDA 2025
Mortgage lending
In 2025, Everwise Credit Union reported 3,683 home-loan applications under HMDA (LEI 549300SXT4VBB68QCC26): 2,387 originated ($9,586,905,000 total), 687 denied, and 584 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Everwise Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60060
- RSSD ID
- 275590
- Primary regulator
- State + NCUA
- Established
- 1931
- Headquarters
- 110 S Main St, South Bend, IN 46601
- Employees
- 741
Quick answers
Everwise Credit Union: common questions
Is Everwise Credit Union NCUA insured?
Yes. Everwise Credit Union is a federally insured credit union (NCUA charter #60060). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Everwise Credit Union's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Everwise Credit Union have?
32 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near South Bend
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Policemen'S Federal Credit UnionCredit union South Bend, IN | 92 out of 100, Very strong | $95.5M | 16.4% | 0.29% | vs |
| Tlcu Financial Credit UnionCredit union Mishawaka, IN | 89 out of 100, Very strong | $59.4M | 16.0% | 0.45% | vs |
| Chiphone Federal Credit UnionCredit union Elkhart, IN | 87 out of 100, Very strong | $111.8M | 16.4% | 0.38% | vs |
| South Bend Firefighters Federal Credit UnionCredit union South Bend, IN | 82 out of 100, Strong | $64.3M | 23.6% | 1.07% | vs |
| 1st Source BankBank South Bend, IN | 75 out of 100, Strong | $9.3B | 13.7% | 0.99% | vs |
| United Federal Credit UnionCredit union St Joseph, MI | 75 out of 100, Strong | $4.4B | 11.9% | 0.71% | vs |