# EVOLVE
El Paso, TX · NCUA charter 1792 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/evolve-1792

Who the members are: federal charter, community charter, organized 1936, low-income designated, minority depository institution. 14,099 members of 1,088,420 potential (1.3% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *too clean*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $324.5M |
| Members | 14,099 (-3.5% YoY) |
| Full-time staff | 77 |
| Net worth | $34.7M |
| Net worth ratio | 10.7% (p41 of band) |
| ROA (annualized) | -0.19% (p3 of band) |
| Total delinquency | 0.04% (p2 of band) |
| Net charge-offs (annualized) | 0.30% (p41 of band) |
| Loans / shares | 72% (p46 of band) |
| Cash / assets | 4.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.51% (p5 of band) |
| Operating expense / assets | 3.63% (p46 of band) |
| Vehicles % of loans | 47% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p21 of band) |
| Vehicle delinquency | 0.04% (p5 of band) |
| Vehicle NCO | 0.13% (p15 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 21% |
| Average share balance | $9,938 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $40.6M |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $30,773 |
| Loans granted, annualized | $50.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $40.6M outstanding purchased (117.1% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -0.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 5 | losing money, delinquency 2x band |  |
| 2017-03 | 7 | delinquency rising, assets shrinking, members leaving | losing money |
| 2017-06 | 8 | loan book shrinking |  |
| 2017-09 | 7 |  | auto monoline |
| 2017-12 | 6 | losing money | delinquency rising, loan book shrinking |
| 2018-03 | 5 | net worth falling | assets shrinking, losing money |
| 2018-06 | 2 |  | 3rd-party paper>100% NW, delinquency 2x band, net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, losing money, margin squeeze | charge-offs p90 |
| 2020-06 | 3 |  | losing money |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | margin squeeze |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | margin squeeze |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 3 | margin squeeze, assets shrinking |  |
| 2022-09 | 1 |  | margin squeeze, assets shrinking |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 4 | losing money, delinquency rising, assets shrinking |  |
| 2024-03 | 2 |  | losing money, assets shrinking |
| 2024-06 | 3 | losing money, assets shrinking | delinquency rising |
| 2024-09 | 2 |  | losing money |
| 2024-12 | 3 | losing money |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 | delinquency rising | members leaving, assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 3 | members leaving | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-02 [Police seek public's help to identify A.T.M. vandals in central El Paso - KFOX](https://news.google.com/rss/articles/CBMikwFBVV95cUxQNk5BTklXRzNfdDg4cjgtZXI3eXVMZ0F2Z1dXa1BfMWM5RlVqYW5TT2ZzR1NHcXR3a3pqcEJtbTFmMHh1ZVVxYVZ6d3VnNUpSMllwZHlaNTJMb1lJMFRkTDZKU0xnLVVUNUNwa1FTc2J4emVxMV9wYU05N0xya2dUQ0UzZ1hmMllaRkNjWkh5U1g3alU?oc=5) · KFOX
- 2023-03-15 [Evolve Federal Credit Union expands in El Paso - KTSM 9 News](https://news.google.com/rss/articles/CBMifkFVX3lxTE1pLWNUSWRVQlFOWVZScnpDUXF2bEk2MllzUWx0Zi1zanFmb2hyenFHRGRFRVQ1Vlh6amlQWDVzMndMWjlocENZVC15V1BNajR1N0I0YWNxNWFqR2NMMFZzenlPWlRDVEh6MnVJU1oxQUN1azhmSlpTanE5MmZiZ9IBgwFBVV95cUxPR0JBUFU2ai1CN09WZ0YwZGRjdExvUkVveWlVUGNPdDZMNkd1aFhINmtMNkRHMVNxTXRGcWpIWkxGRkJCOG1ybk5PMkR1WGFiTkhoaDJ6clRwY29yWGVHZG81aW9JN2FvejQxZWYzd2F3Q2pKNTBTRURTQTR0c0ZfM0xpWQ?oc=5) · KTSM 9 News
- 2022-07-25 [El Paso's 3rd-largest credit union changes name to remove teachers-only perception - El Paso Times](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNU2ttaGxCb2syNjhvektXU280cVA2Q1ZScG9SdEd3aXdxRFN2RTkyaXlaT3lldTlVczJGMEozMWp6WFhXUWxKSUNBS1Z4T01DaVdjMFBBUWdGejhJUFZDRUthMkRaeG9wOWUtUzBqS1I3aVdhSDJLSGJCVllRaWNpcnNaYWVKeFVuMFZaeHdzaUZQNlFZV1ZFTUNJMjlXeFJxNmg2WEZVZlFVMDlNTXlZcWluX0ZDUE5RMDQxR3hpcjhHVHd0U1RtdDVvUURSRjdERm9aVTJoaEc0YktCRGx0al9KV29qbEptSEY5N2h3?oc=5) · El Paso Times
- 2023-08-24 [Are These 7% APY Credit Union Accounts Too Good to Be True? - money.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE44VnptSmk0ZS1rTTZVUW84cVZDX3FrU29ZdUU5WlhMMjNQZU00NFBqVzVYbkVEU1ZmSjlPaWhxdE1nS29yLUxMN3VKVnR6WU5CU0JZQ0xmLUJWTGhJcUZ4SC1HZnI?oc=5) · money.com
- 2024-09-08 [Why Did Political Campaigns Suddenly Start Banking At Evolve? - Fintech Business Weekly | Jason Mikula](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOeDVUNXhMcS1GLXFkb0Z6enN1aEk2R2FXeVhzY08yUm1XbXRud2lWVkp3SkhPVnBQcVgtYVpQanZidnJRd3NwSE9WQTlZZzVvS2Q0aHJ0bGlqajJYR053MVdDMjFTZmZUczhfVnpmRHdJUUF1SVUzMTMxN01ZQ05vUEFRNF9RbDVO?oc=5) · Fintech Business Weekly | Jason Mikula
- 2013-05-26 [Evolve Federal Credit Union awards students - elpasoinc.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNRnlLbGZ5QkYyZkpoUlJyQW9nZXNCaE5vV3lTQW9meEdKM0NTbkQ2MHZxUEZmMVEyVEdHeE51ZFQ3MTdIckxFTlJKTXpQVzFzRU1tOXk5SHNPeGxOQjNCQkJBOWJqVm1xMzMyemp2c2VPMWtkTmRrWlI0M19NZ0M4ZWpqeldOS0l1b0RFRFgxSlV0TXB2VENDVlN0dHNIN2hBWTdRMklLTkUzRDhVN0tzRFoyaGM4eWw2NjEwZm9yV1M3YVJEQkVjNjctTUlEYk5GT240YnkwNEl3Z25qQ0pUdA?oc=5) · elpasoinc.com
- 2024-09-10 [GECU CEO Crystal Long inducted into America’s Credit Union Museum Herstory exhibition - CUInsight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQeDJWQ2MtbENFNW05Q0hncTRfQlNLbmxhbmwyczJfMVlpY3VaMlNXY0hXMDFnc3BBNzFGRllSWlJocC1wX1Z2ejhtSldieUdhb2o3RXNOVlNXaUdLdnVVNWkyeEhjckRwWmNfWkRmT3hyWGx4RlZtZDMwWXQ4NGxZek9PVkVtUnJ0U19RR3RhaTdiMWhPa0xuTHlKb3BZWUxScHcwNGY0TzZTMEZqN1FZcVZuYVotd1VWcjNWZWV4cjJ5dEE?oc=5) · CUInsight
- 2018-01-04 [Evolve credit union robbed, 3rd bank robbery in a week - El Paso Times](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNQ1ZCcjVnWjJBWnVYbGJmNGJoUVhpT3dZa1FBUXY1eGM0Q19iWXFEbFVneGdCVkxnZWhsT1JlRXFidXROdU5ab052QWxkU1p2X2ZySmRaUTNURjhZVFNBTGNqSU5BNGNEVDF0dy1xNkFUTUVKYTFkckRYS2c2c1dHZjRnWWtVcUNVdU9Jc1NxY2wydHExaDlMd0pwNDA1VGo0RDF0THI1M0tJT3VTUlZLUkIwa1huSGxtUHNiajhMcS14bG5pMGVrVQ?oc=5) · El Paso Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1792 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/0.json (key "1792", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1792
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide