# EVERWISE
South Bend, IN · NCUA charter 60060 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/everwise-60060

Who the members are: state charter, organized 1931, low-income designated. 298,815 members of 6,878,771 potential (4.3% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.70B |
| Members | 298,815 (0.7% YoY) |
| Full-time staff | 710 |
| Net worth | $512.5M |
| Net worth ratio | 9.0% (p14 of band) |
| ROA (annualized) | 0.52% (p32 of band) |
| Total delinquency | 0.67% (p55 of band) |
| Net charge-offs (annualized) | 0.81% (p78 of band) |
| Loans / shares | 89% (p58 of band) |
| Cash / assets | 2.4% |
| Borrowings / assets | 2.16% |
| Net interest margin | 3.04% (p32 of band) |
| Operating expense / assets | 2.87% (p31 of band) |
| Vehicles % of loans | 31% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 253% (p77 of band) |
| Vehicle delinquency | 0.96% (p76 of band) |
| Vehicle NCO | 2.64% (p94 of band) |
| Repossessed % of vehicle book | 0.31% (p91 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 294% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 28% |
| Average share balance | $9,041 |
| Participations bought / yr | $562.8M |
| Participations sold / yr | $101.8M |
| Participations outstanding | $477.5M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $36,821 |
| Loans granted, annualized | $1.38B |

## Participation posture (from the same filings)

Bought $562.8M and sold $101.8M in the latest annualized quarter; $477.5M outstanding purchased (93.2% of net worth), $160.6M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 4.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | net worth falling |  |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | thin capital |
| 2018-12 | 4 | thin capital |  |
| 2019-03 | 3 | net worth falling | loans>95% of shares, leaning on borrowings |
| 2019-06 | 2 | delinquency rising | thin capital, net worth falling |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | thin capital |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 2 |  | delinquency rising |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 4 | leaning on borrowings |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | members leaving |  |
| 2023-06 | 5 | loans>95% of shares | members leaving |
| 2023-09 | 5 |  |  |
| 2023-12 | 6 | net worth falling |  |
| 2024-03 | 5 |  | net worth falling |
| 2024-06 | 3 |  | thin capital, loans>95% of shares |
| 2024-09 | 3 |  |  |
| 2024-12 | 1 |  | delinquency rising, leaning on borrowings |
| 2025-03 | 3 | thin capital, net worth falling |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 1 |  | thin capital, net worth falling |
| 2025-12 | 2 | thin capital |  |
| 2026-03 | 2 |  |  |

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

- 2026-06-16 [TTAB’s Everwise Decision Highlights Token-Use Pitfalls - Akerman LLP](https://news.google.com/rss/articles/CBMinwFBVV95cUxObWRoMFFJWkF5aEg1emRkLVR2UWNWcE01cVo5aG9qcXFpaklOYTlVTHRBZER6cjVxbUFEN1JjdHI0VWlCSGhwN3dMVzZYeXJKQ3pKU3NsLXJ1OFZKVWthNGx1SEl0RktROF84dzlyZFRlekt6ZHpYa3hoX1NpV3ladFQ5VGVfTEpHYU1jS2MxaTRjdldWTlhZdl9DVGV6d28?oc=5) · Akerman LLP
- 2026-07-16 [Everwise Credit Union Consolidates 27 Departments on Creatio to Streamline Operations - citybiz](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPT1kteDM5emR0bFFSTUo2ZmVyclluZllyN1JodzhRbGlRNjU0cEV5b0tYaUtjQ0JLZXZwai1YaHNFTGZ4eklUdHd0Zlp1MEpDd1l6TkcwWV9KMUxZVFBtamRzSW9RcXRpb3NnS3paTDFBR0w0anlQeDdCU2FOeHdYQXU4Skt1dDNlLV9USUVleElEbnl0ZFZFbzZPempkNlpKdFI5Y2EwWlFJdTlKMl9VWEFpelg2aUEyZmpSN0ItWUpyZw?oc=5) · citybiz
- 2026-05-15 [Colts announce mascot lineup for "Blue's Birthday Bash" on May 15 - Colts.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQZldkWlRTejZpZ0E0aEtObnN0WkhPTGduWlVCMnJweTUtVlBFREYyeWdMQWp1ZUFkY3BKeE5Hd3FoN01CUndicmdMWlVGM2dpRUJYVDh4SXZvSUhUZzlTRzdBa2d2VzVFdDdNR0tOc3VTSWFpUXREeVltcFZ6NzFzVUlKMXlNM3N6TDkwWnpuYkZwNHRkc3daTlN5OGNHS3B3TnNJSzBKXzR5cGFQaGhnODYtenROTVo1ZGJR?oc=5) · Colts.com
- 2026-07-28 [Tips For Establishing Youth Savings/Checking Accounts - City Lifestyle](https://news.google.com/rss/articles/CBMikAFBVV95cUxPOEYtZHBsVld5YUtzMW1LTmE3SXp6MnM3dWd0ZGwyR1BRQ2g0VmFMX0NkX3lsQnBiTFhKU1JuOEFtajdfOUxuLXlFby14cE14VDJ1dWhPWFRXbjl1aXJqR2YyWVdoaG5sM3VZd0ZrVzlnT1FjRFY5UXdKdVFBOUxqaVhrb0I1LUNic2lqZ3Yyc0U?oc=5) · City Lifestyle
- 2026-05-05 [Everwise CEO took unusual path to community banking - Current Publishing](https://news.google.com/rss/articles/CBMikwFBVV95cUxNRTB0MFhtSU1vXzlJdFJ5WE1KcnF2UzhiYkFXNEdfUmprRFJ1MUJVMHFZUlJRb1RNci1mR3NROXJ2STFkejlZenhXaUZEeUl0MkU2RFBQUFA5eklPTlZncWlTV2F6bEV1eW9vSHBzcEJBT1VXeTl0T2RFUDlBaE1fZHIyaVBXVTVyRWJtbG1fTlJyWlU?oc=5) · Current Publishing
- 2025-11-19 [Everwise Credit Union celebrates the holidays by giving back - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxOaEVyRWYyNFduX2lKakxrc01ZUXg0N3hiemxjWF8xSmNwRFhLdGVzZjRrcEdEVmNOZTZKMmR0VWlkLTJTbDFjMnhfeFFzQ01CemdXNlRFTjJQYVpBYmFXUHBvZFE1Y1psaDdONVltbElrcGtoWXlCX0ZUQzBTTEVwUjVCblFFbFRfZ2x4ZnAzT3RnbEhiaGpXbzlzR0NWemhoeURZ?oc=5) · CUInsight
- 2026-05-01 [TTAB Upholds Canceled Everwise TM Registration - Law360](https://news.google.com/rss/articles/CBMijwFBVV95cUxPeDBIVGctNlNtOUlHQ1lpQzlzUEFzcHFNUzBra2lIYW4yMmtaSF9lNURKdUpOdGRYbUdMc0FHZ1EzQTFlRU80bFZQWmxaeUphZ1h0LTlaRU5yaHhFMElwbEJSWTJCd0Y2ZFdUVndabnk3QVVhQi04RElWVW95WlJxemFGUXQ1YWV3bTdwbzFVd9IBVkFVX3lxTE52OENBakJ3Wm5vVkJodmtOalgzQkNaNGJfR2xpR09HMm5LUmNoTWhlbENNVGFCbTNKaEQ1cVFRbUNxeWN3S3BkRnBzbzhidTM3ME5HQUFR?oc=5) · Law360
- 2026-08-19 [REVIEW: 5 shows to see at the 2026 IndyFringe Festival - Indianapolis Recorder](https://news.google.com/rss/articles/CBMikAFBVV95cUxQQ3JlcFE4Rk1CU2JFOHZ4UmlBM2VtTFZES2czUXpwVWJGUmo1b0ZINVZaak1VUTJYcDhyNTlNQzVIM05XT09ZQk1pV1BZaE1PejZLV0FBckNtek1aYTBGdlVqeXN6NXhrMGh5OTFyMXFnRHN4NThpdWNhRkRYRW9nU1JWeGJ1STlOenktVF91NHE?oc=5) · Indianapolis Recorder

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60060 (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/28.json (key "60060", 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=60060
- 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