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The Lender Report built this page from public records. Everwise Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Everwise Credit Union itself. Each figure shows its source and date. Work at Everwise Credit Union? You can claim this page for free.
Credit union, South Bend, IN
Everwise Credit Union
A credit union based in South Bend, IN. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.51B
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 99
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 62
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $5.78B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 574-232-8012 From the NCUA record, June 30, 2026.
- Website
- www.everwisecu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- everwisecu.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- EVERWISENCUA 5300,
- Address
- 110 S Main St, South Bend, IN 46601-1805NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Everwise Credit Union originated 11 multifamily loans in 2025, versus 6 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 33 under Preferred Lender authority, 5 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 4.5% to $530.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 12.6% to $519.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 14.7% to $250.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Texas | SBA 7(a), Hotels (except Casino Hotels) and Motels | $5M | 9.5% | 25 yr | SBA FOIA | |
| Aug 2026 | Georgia | SBA 7(a), Full-Service Restaurants | $920K | 9.25% | 10 yr | SBA FOIA | |
| Apr 2026 | Indiana | SBA 7(a), Full-Service Restaurants | $4.5M | 8% | 25 yr | SBA FOIA | |
| Apr 2026 | Indiana | SBA 7(a), All Other Amusement and Recreation Industries | $860K | 8.75% | 10 yr | SBA FOIA | |
| Apr 2026 | North Carolina | SBA 7(a), Roofing Contractors | $800K | 9.75% | 10 yr | SBA FOIA | |
| Apr 2026 | Indiana | SBA 504, Retail Trade | $340K | 25 yr | SBA FOIA | ||
| Apr 2026 | Indiana | SBA 7(a), All Other Specialty Trade Contractors | $140K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | Indiana | SBA 7(a), All Other Specialty Trade Contractors | $100K | 9.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Indiana | SBA 7(a), Flooring Contractors | $100K | 7% | 10 yr | SBA FOIA | |
| Jan 2026 | North Dakota | SBA 7(a), Hotels (except Casino Hotels) and Motels | $5M | 9.5% | 25 yr | SBA FOIA | |
| Jan 2026 | Indiana | SBA 7(a), Manufacturing | $5M | 9% | 25 yr | SBA FOIA | |
| Jan 2026 | Michigan | SBA 7(a), All Other Amusement and Recreation Industries | $5M | 9.75% | 25 yr | SBA FOIA | |
| Jan 2026 | Arizona | SBA 7(a), All Other Amusement and Recreation Industries | $1.7M | 9.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Vermont | SBA 7(a), Retail Trade | $1.1M | 8.75% | 10 yr | SBA FOIA | |
| Jan 2026 | Indiana | SBA 7(a), Full-Service Restaurants | $25K | 9.75% | 6 yr | SBA FOIA | |
| 2025 | Delaware County, IN | Purchase, 150 or more units | $950M | 5.71% | 6 yr | 61% | HMDA 2025 |
| 2025 | Marion County, IN | Refinance, 5 to 24 units | $780M | 6.82% | 3 yr | 54% | HMDA 2025 |
| 2025 | Bulloch County, GA | Refinance, 150 or more units | $500M | 6.88% | 5 yr | 63% | HMDA 2025 |
| 2025 | Orange County, NC | Refinance, 25 to 49 units | $500M | 6.27% | 5 yr | 58% | HMDA 2025 |
| 2025 | Harrisonburg city, VA | Purchase, 50 to 99 units | $500M | 6.88% | 5 yr | 66% | HMDA 2025 |
| 2025 | Shelby County, TN | Refinance, 50 to 99 units | $500M | 6.17% | 5 yr | 62% | HMDA 2025 |
| 2025 | Indiana | Purchase, 5 to 24 units | $460M | 6.86% | 10 yr | 74% | HMDA 2025 |
| 2025 | Weld County, CO | Refinance, 50 to 99 units | $400M | 7.29% | 5 yr | 60% | HMDA 2025 |
| 2025 | Clayton County, GA | Refinance, 150 or more units | $400M | 6.3% | 5 yr | 53% | HMDA 2025 |
| 2025 | Lake County, IN | Refinance, 5 to 24 units | $80M | 6.45% | 10 yr | 29% | HMDA 2025 |
| 49 SBA 7(a) loans since October 2023, net of cancelled | $120M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $251M | 5.5% | +14.7% | 147 | $1.71M |
| Construction and land development | $164M | 3.6% | +2.1% | 24 | $6.85M |
| Owner-occupied CRE | $519M | 11.4% | +12.6% | 244 | $2.13M |
| Non-owner-occupied CRE | $531M | 11.6% | +4.5% | 205 | $2.59M |
| Farmland | $1.95M | 0.0% | -12.3% | 5 | $390K |
| Commercial and industrial | $47.2M | 1.0% | +2.9% | 141 | $335K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $1.51B |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $906M |
| Q4 2023 | $972M |
| Q1 2024 | $1.05B |
| Q2 2024 | $1.10B |
| Q3 2024 | $1.12B |
| Q4 2024 | $1.23B |
| Q1 2025 | $1.28B |
| Q2 2025 | $1.40B |
| Q3 2025 | $1.43B |
| Q4 2025 | $1.50B |
| Q1 2026 | $1.50B |
| Q2 2026 | $1.51B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 11 | $5.08B | $500M | $950M | HMDA, |
| Multifamily, 5 or more units | 2024 | 6 | $24.8M | $1.10M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 29 | $4.18B | $155K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 49 | $120M | $1.66M | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 14 | $30.2M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 13 | $24.4M | $612K | $8.2M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 99 | $319M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 23 | $79.6M | NCUA 5300, | ||
| Construction | First half of 2026 | 2 | $8.26M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 50 | $161M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 24 | $70.3M | NCUA 5300, | ||
| C&I | First half of 2026 | 39 | $23.5M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $6.85M |
| Multifamily | $1.71M |
| Owner-occupied CRE | $2.13M |
| Non-owner-occupied CRE | $2.59M |
| Farmland | $390K |
| Commercial and industrial | $335K |
| Industry | Loans | Dollars |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 12 | $54.9M |
| All Other Amusement and Recreation Industries | 9 | $26.8M |
| Full-Service Restaurants | 5 | $11.4M |
Other lenders in these fields: SBA lenders for hotels and motels, SBA lenders for gyms and fitness businesses, SBA lenders for restaurants.
Programs on record: Federal Home Loan Bank member, Indianapolis district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Indiana HQ | 46 | 4 | 21 | 22 | 10 |
| Michigan | 4 | 0 | 6 | 4 | 3 |
| Illinois | 0 | 0 | 2 | 1 | 0 |
| Virginia | 0 | 1 | 0 | 2 | 0 |
| Georgia | 0 | 2 | 0 | 1 | 0 |
| North Carolina | 0 | 2 | 0 | 1 | 0 |
| Texas | 0 | 0 | 0 | 2 | 0 |
| Florida | 0 | 0 | 0 | 2 | 0 |
| Massachusetts | 0 | 0 | 0 | 2 | 0 |
| Arizona | 0 | 0 | 0 | 1 | 0 |
| California | 0 | 0 | 0 | 1 | 0 |
| Colorado | 0 | 1 | 0 | 0 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $708M | $170M to $593M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $1.47B | $295M to $1.16B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 207.4% | 82.1% to 239.2% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $79.0M | $22.9M to $79.3M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 179.7% | 20.4% to 151.1% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 79.0% | 61.3% to 87.0% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Of 17 multifamily loans with a known channel in 2024 to 2025, 2 (11.8%) came through a third party. HMDA,
- Of 29 1-4 unit investor loans with a known channel in 2025, 1 (3.5%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
- Preferred Lender authority
- 33 loans (67.3%)
- SBA Express
- 5 loans
- Approval to first disbursement
- 27 days, median of 43
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Indiana Members Credit Union | IN | $3.60B | $559M |
| Liberty Credit Union | IN | $4.84B | $1.09B |
| Centra Credit Union | IN | $2.38B | $339M |
| Forum Credit Union | IN | $2.31B | $300M |
| Purdue Credit Union | IN | $2.13B | $479M |
| Three Rivers Credit Union | IN | $2.93B | $258M |
| Elements Financial Credit Union | IN | $2.50B | $346M |
| Notre Dame Credit Union | IN | $1.39B | $329M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Everwise Credit Union, NCUA charter 60060. Compare it with the regulator's record. [NCUA profile]
- Balances. $5.78B in total assets and $1.51B in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 99 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 108 loans in HMDA and SBA files, through September 30, 2026: 11 HMDA multifamily 2025, 6 HMDA multifamily 2024, 29 HMDA 1-4 unit investor 2025, 49 SBA 7(a) in 36 months, 13 SBA 504 first liens in 36 months. [How each file was tied to Everwise Credit Union]
- Phone and website. Phone 574-232-8012, from the NCUA record. Website everwisecu.com, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 60060
- RSSD
- 275590
- LEI
- 549300SXT4VBB68QCC26
- The Lender Report ID
- lr_000334
- Main office county
- St Joseph
- Members
- 300,303
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $5.8B in total assets as of June 30, 2026 (NCUA 5300).
- Held $1.5B of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $530.8M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 4.5% from a year earlier (NCUA 5300).
- Held $519.2M of owner-occupied commercial real estate loans as of June 30, 2026, up 12.6% from a year earlier (NCUA 5300).
- Held $250.9M of multifamily loans as of June 30, 2026, up 14.7% from a year earlier (NCUA 5300).
- Originated 11 multifamily loans totaling $5.1B in 2025 (HMDA).
7 more sentences
- Originated 6 multifamily loans totaling $24.8M in 2024 (HMDA).
- Originated 29 1-4 unit investor or business-purpose loans totaling $4.2B in 2025 (HMDA).
- Recorded 50 SBA 7(a) approvals totaling $120.2M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 13 SBA 504 projects with $24.4M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 99 real-estate-secured commercial loans totaling $319M in the first half of 2026 (NCUA 5300).
- Held $5.9M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 50 offices in 2 states (NCUA).
Cite this
Source: The Lender Report, Everwise Credit Union, https://lender.report/lender/everwise-credit-union-in/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Everwise Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem