D
Evergreen Direct Credit Union
Rating Date
July 2025
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.1 has resulted in Weak (2.4) profitability.
Other Rating Factors: Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 0.0. Fair liquidity 4.1, driven by a liquidity ratio of 17.6 percent and a “hot money” ratio of 11.2 percent.
Asset Mix: Consumer loans (32%), securities (5%), home mtgs (3%), other (60%)
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Non-Performing Loans to Capital
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Corporate Info
Address
6001 Capitol Boulevard, SW
Tumwater, WA 98501
Phone Number
(360) 943-7676
NCUA Charter Number