# EVERGLADES
Clewiston, FL · NCUA charter 24204 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/everglades-24204

Who the members are: federal charter, community charter, organized 1985, low-income designated. 5,458 members of 94,206 potential (5.8% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $55.9M |
| Members | 5,458 (0.7% YoY) |
| Full-time staff | 15 |
| Net worth | $5.6M |
| Net worth ratio | 10.0% (p21 of band) |
| ROA (annualized) | 0.10% (p18 of band) |
| Total delinquency | 0.29% (p28 of band) |
| Net charge-offs (annualized) | 0.51% (p72 of band) |
| Loans / shares | 68% (p62 of band) |
| Cash / assets | 15.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.37% (p33 of band) |
| Operating expense / assets | 4.43% (p77 of band) |
| Vehicles % of loans | 58% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.30% (p32 of band) |
| Vehicle NCO | 0.96% (p80 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 16% |
| Average share balance | $4,954 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 29% |
| Average loan balance | $11,642 |
| Loans granted, annualized | $9.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | net worth falling, losing money, members leaving |  |
| 2017-06 | 0 |  | net worth falling, losing money, members leaving |
| 2017-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-12 | 2 | members leaving | delinquency rising |
| 2018-03 | 3 | margin squeeze, delinquency rising, repo signal | delinquency 2x band, members leaving |
| 2018-06 | 1 |  | margin squeeze, repo signal |
| 2018-09 | 1 | assets shrinking | delinquency rising |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2020-03 | 1 | net worth falling | delinquency 2x band, delinquency rising |
| 2020-06 | 3 | losing money, margin squeeze |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | losing money |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 | delinquency rising | net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling, losing money | delinquency rising |
| 2022-06 | 2 | delinquency rising | losing money |
| 2022-09 | 0 |  | net worth falling, delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | losing money, delinquency rising |  |
| 2023-06 | 0 |  | losing money, delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | net worth falling, losing money |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising, assets shrinking | losing money |
| 2025-06 | 0 |  | delinquency rising, assets shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

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

- 2026-07-12 [Florida trackers bushwhack through swarming bugs to reach 10-foot python guarding her eggs - The Cool Down](https://news.google.com/rss/articles/CBMihgFBVV95cUxQX256WlFaSXZBZ2d4RFhhTEdDMXNwNXdsMUdIbFRhc1loclMzU21SY0FlR1o4R2pnV0dJd2ZueGFCalFSY0lMbkNHR2d2Rk5qc0JDQV9oQXFQbDVhZlc0cmVpVVhvSWYwXzF0Z3JpT2lSSXMwOVVJNDN0STVaemZqbTZRSFV0UQ?oc=5) · The Cool Down
- 2020-02-25 [Electric vehicle charging infrastructure comes to Alligator Alley - NBC 6 South Florida](https://news.google.com/rss/articles/CBMirgFBVV95cUxNU21jUGRaa3FlUnBUcEZodmtIZzNEQy1GUkNYcy0xdHNLRktIbGVCOFBFXzdxRE94X1pmWUNZMzllZjRHWXZSU0UydWJ4ajhwemNpQXpHTmIzZVpHVkdLeE9hTG12QnFmY2dqZmV0X2VnaFlpV3NHRW5XdzBXTk1aclNDelQzRGthazF4T19tbWNfQW9QYnZPeTZFSWd2UGFyOVZPdWt5OFJMTjFPamfSAbYBQVVfeXFMTWY1azNYZk9fUUU0TkJLaXk4aENicndkTFZJY21lUk8teTZJUHZVUV9OUldDUnV4bDc3NUlxYTJYTVhjWW9VYldxMVcxWWRlM3REMlFSU2M0cndqMUlQemdvemNnVVk1SzY5eFhXYi14WDd0aFI3X0FYVFNLRjd2VDZ5VGs2TWpzUEFicTB1aGVBYUZnNmxLY0NZakk2UFhRZVEwVVQyOW5aQ2N2enJOeU5MaW5JX2c?oc=5) · NBC 6 South Florida
- 2016-05-19 [Michael Homick Obituary May 19, 2016 - Parthemore Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBJS2VzVkhka0lUeU03akRqWjVra3A5MjYtdy15akZQeXE1eW82NHFXeUktRXJqbG9BR2QtLU5BMmh4QjZnSHE3REQxdDlhblkzTjhadkFQZzEwQ2tNSGlxci1R?oc=5) · Parthemore Funeral Home & Cremation Services
- 2025-08-15 [Remembering Owlcatraz: Controversial saga of FAU stadium naming rights | D'Angelo - The Palm Beach Post](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOOEU1S09acDhpMFlMYW9UVjRwbW9tMWUzbkhMcnVRWEJlMElWQUhYa0RJbXR1cTFLeFUwMGRDY3lDX2lKYnFPejQ2dDhwZlRuSVRlYTI1QkhnY01kc0g5T3o2dE5BT0hidGxWaFJQck9ldWx1SDRQdnJvODVQUHNtcl9iVkkxV25tb0U5dV9kWXhiYXFaUWx3VXBLS05VVWpmc01La05lUUhMcHNjWTF4TWN2aGw2a3o4T0lyb21Bdy1kaGpIa0ZobGRteUZQaHhITmExRFNGZFZSYWRqZ0NsTDgtcVJjZw?oc=5) · The Palm Beach Post
- 2021-12-21 [PHOTOS: IMG Academy vs. Oak Hill Academy, City of Palms Classic - The News-Press](https://news.google.com/rss/articles/CBMingJBVV95cUxOS0xaOTd2Z0dfSS1YTmpMUWVkeHpobDFVcVdiNlRjM1ZCUDFCRFFFdzFydGM4cS01RWM4YnZNRkZXcGY2VXVUeU85eVBJMThidWNISWJ2NGp4VG5fOFNqZFJxbUwyc3NPTFVXcnZRTnh6ZjgxSDBaVVhWVHY2UlYzUDl5SGM3czFmejdYMjl5b2lHWnQ3dXEzcU1FNlROMjhPX3dzLVJtQVE2b1R3NUFXanRHVjlvYVlBTEw4NnBzTXlWSFVhRDFrZ2dSWUNNclRqMVRWNXhnSmwtZ2RyTV8wbi1QbzZNZE42SXV2MDk2czQ0b1dJM3dqRnQ3OThFVEdGTWVNOWl5eEhIc2kzNFd1MUVfaUZUdDhxNUhqUFZ3?oc=5) · The News-Press
- 2022-11-23 [Westside Elementary hosts Turkey Trot - Lake Okeechobee News](https://news.google.com/rss/articles/CBMifkFVX3lxTE5FMGtzUEFZZmpUTkNuamtpalY0UDE5U0JwY3RWa2tmUm1fNEtEcTNOZWtKRmU0cG5KVXJSZy13OXY3U2Z0NHg5ak9mYVRWQWRhLWxjVFUtRWVSbHpCcllCdHRyNnJfbTYzaWRaZ0FXV3ozcWhQbkFCckFleVBtQQ?oc=5) · Lake Okeechobee News
- 2022-01-31 [Michelle Lapointe named Okeechobee’s Teacher of the Year - Lake Okeechobee News](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMVRpNWU3aFJZVkNEMjZ4NVAzckRsVjZhcTVGV01tbjZKY1dTQUUzUGtNNEs1My1EVFVLbW1fLWZBN2VuelhGcWdGY2xuZ2VGc1NRYUE3TS1MTmNMemxzc2tta0NkWUpLTG45eXBRUjF1T2RqV1RDa1NBcFp0dnNWOV9MVGlQZ3ZFdHJzWU9sbmZ2d2tpYVE?oc=5) · Lake Okeechobee News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24204 (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/12.json (key "24204", 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=24204
- 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