State credit union · Tumwater, Washington · NCUA charter #68546
EVERGREENDIRECT
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $76.5M
- Total assets
- 4,806
- Members
- 11.2%
- Net-worth ratio
EVERGREENDIRECT scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $76.5M; members 4,806; net-worth ratio 11.19%; health rank #3,719 of 4,374; healthier than 15th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,719 of 4,374 health · 2025Q4EVERGREENDIRECT · health 68/100 · $76.5M · 2025Q4
Call Report peers
EVERGREENDIRECT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EVERGREENDIRECT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EVERGREENDIRECT sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
EVERGREENDIRECT: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.93% here, 0.96% peer average (-0.03 pp).
- Loan-to-Share Ratio trails the peer set - 55.15% here, 62.60% peer average (-7.45 pp).
EVERGREENDIRECT: in-state Call Report ranks
- In Washington, health place is #73 of 75 on the same NCUA-ratio sort used nationally.
- Assets rank #52 of 75 inside Washington ($76.5M reported).
- Membership ranks #48 of 75 among Washington CUs with a reported count (4,806 members).
- One place up in Washington, Sno Falls (#72) scores 69/100, 1 point higher; one place down, PRIMESOURCE (#74) scores 61/100, 7 points lower.
How EVERGREENDIRECT's 5300 filing moved
EVERGREENDIRECT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $76.5M (2025Q4) to $77.6M (2026Q1).
- Net-worth ratio shifted -0.13 pp (11.32% → 11.19%).
At 11.19%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
EVERGREENDIRECT gives up 32 points in total. Return on Assets costs the most, 13.8 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 1.2 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 11.8 pts
EVERGREENDIRECT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.19% | -2.43 pp |
| Delinquency Rate | 0.93% | -0.03 pp |
| Return on Assets | -0.37% | -1.03 pp |
| Member Growth | -2.63% | - |
| Loan-to-Share Ratio | 55.15% | -7.45 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - EVERGREENDIRECT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.6M | - |
| 2025Q4 | $76.5M | 4,806 |
| 2024Q4 | $78.0M | 4,936 |
| 2023Q4 | $76.3M | 5,045 |
Credit Union Details
- Charter Number
- 68546
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Washington
- City
- Tumwater
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, EVERGREENDIRECT runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| EvergreenDIRECT CU (Main Office) | Tumwater, WA |
| EvergreenDIRECT CU | Olympia, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
Cross-state Call Report peers for EVERGREENDIRECT
Using this data
- EVERGREENDIRECT ranks #3,719 of 4,374 nationally on financial health and #73 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tri-Cities Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tri-Cities Community
Frequently Asked Questions
Is EVERGREENDIRECT financially healthy?
On its 2025Q4 NCUA 5300 filing, EVERGREENDIRECT scores 68/100 (Good), with a 11.19% net worth ratio and 0.93% of loans delinquent. It ranks #3,719 of 4,374 nationally on health and #73 of 75 in Washington.
How does EVERGREENDIRECT compare to other credit unions?
EVERGREENDIRECT scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.93% vs 0.96%). Its widest shortfall is loan-to-share ratio (55.15% vs 62.60%).
How can I join EVERGREENDIRECT?
Membership eligibility for EVERGREENDIRECT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EVERGREENDIRECT directly for current membership requirements and application steps.
Is my money safe at EVERGREENDIRECT?
EVERGREENDIRECT is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. EVERGREENDIRECT's net worth ratio of 11.19% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.