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Q1 2026 · read from the 31 March 2026 NCUA 5300 Call Report · United States · New England · Maine, the state note

Evergreen Credit Union

Portland, Maine · $641M in assets · beside the 11 other Maine credit unions between $300M and $1B

The filing

+8.3%
Shares, year over year
1st of 12, largest first
15.9%
Member business loans / loans
10th of 12
7.9%
Net worth ratio
11th of 12

Evergreen Credit Union grew shares 8.3% in the year to March 2026, the fastest of the twelve Maine credit unions between $300M and $1B, with loans up 8.0%, third. Loans are 80% of shares, sixth.

Member business loans are 15.9% of the book, tenth of twelve against a median of 8.2%. Delinquency is 0.90%, ninth, with the allowance covering delinquent loans 0.8 times, the median. Return on assets is 0.75%, fourth, on an efficiency ratio of 81.7%.

Net worth is 7.93% of assets, eleventh of twelve against a median of 9.94%, the thinnest cushion but one in the cohort under a book that is growing fast and leaning commercial.

Member business loans, share of loansME credit unions $300M to $1B · 31 March 2026 · lower is stronger, listed first
median 8.2% Town & Country 0.0% Cumberland County 0.0% Dirigo 2.0% Oxford 2.1% University 4.1% The County 7.8% Maine Savings 8.6% Ancorum 9.4% Cport 15.5% Evergreen Credit Union 15.9% Maine State 16.2% Acadia 20.8%
Shares, year over yearME credit unions $300M to $1B · 31 March 2026 · no better direction, largest first
median +5.4% Evergreen Credit Union +8.3% Dirigo +8.2% Maine State +7.5% Maine Savings +6.7% The County +6.6% Acadia +5.7% Cumberland County +5.2% Oxford +4.8% University +2.7% Cport +2.2% Town & Country +1.2% Ancorum +1.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyDelinquency / loansNet charge-offsAllowance / loansLoans / sharesNet worth ratio
Maine Savings$852M0.5%82.4%0.99%0.40%0.5%86.4%7.8%
Maine State$788M0.2%84.5%0.82%0.45%0.5%84.6%9.9%
Evergreen Credit Union$641M0.8%81.7%0.90%0.26%0.7%80.0%7.9%
Town & Country$628M0.3%88.8%0.18%0.18%0.5%91.4%8.3%
University$530M0.5%86.2%0.28%0.16%0.5%98.0%9.4%
The County$520M0.5%85.1%0.49%0.20%0.4%79.5%10.8%
Dirigo$495M0.4%83.5%0.70%0.20%0.8%84.7%10.1%
Cumberland County$488M1.1%67.0%0.88%0.21%0.8%61.6%10.0%
Cport$439M0.3%94.3%0.90%0.20%0.6%75.8%10.4%
Acadia$408M0.4%86.8%1.62%1.12%0.6%93.2%11.1%
Ancorum$406M1.4%80.2%0.52%0.37%0.7%78.8%9.6%
Oxford$370M1.8%66.2%0.36%0.20%0.7%72.0%15.8%

This read was prepared for Evergreen Credit Union's board and management from the public record, and is one slice of what Lynx builds for any credit union from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Evergreen Credit Union is prepared on request, and thirty days on the institution's own numbers are open to anyone at the credit union.

Ask for the pack

Prepared 6 September 2026
Filing 31 March 2026
Cohort ME credit unions $300M to $1B

Public record only: NCUA 5300 Call Report, 31 March 2026; NCUA data; cohort by state and asset band. Computed from the institution's own NCUA 5300 Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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