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Overview / Commentary
520 NE 165th St
Shoreline, WA 98155

Darigold Credit Union is headquartered in Shoreline and is the 97th largest credit union in the state of Washington. It is also the 5,245th largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 2 employees and 1,132 members. Darigold Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee of Darigold or be a producer or member of the Northwest Dairy Association. Also open to those who live or work in Ridgecrest or Parkwood neighborhood in Shoreline, Washington - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Darigold Credit Union has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Darigold Credit Union had $40,000 in non-current loans and owned real-estate with $1 million in equity and loan loss allowances on hand to cover it. This gives Darigold Credit Union a Texas Ratio of 3.99% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Darigold Credit Union experienced no significant changes from 2.73% as of March 31, 2013 to 3.99% as of March 31, 2014, resulting in a negative change of 46.47%. This indicates that the balance sheet and financial strength for Darigold Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Darigold Credit Union has increased its total deposits by $19,000, resulting in 0.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Darigold Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Darigold Credit Union has $5.08 million in assets with $1 million in equity, resulting in a capitalization level of 19.74%, which is excellent.

Institution Statistics

NCUA #7968
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$5.08 million
Loans$2.52 million
Deposits$4.14 million
Equity Capital$925,000
Loan Loss Allowance$77,000
Unbacked Noncurrent Loans$40,000
Real Estate Owned$0
Historic Data - March 2013
Assets$5.13 million
Equity Capital$997,000
Loan Loss Allowance$67,000
Unbacked Noncurrent Loans$40,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.8%
Return on Assets-0.87%
Return on Equity-4.76%
Interest Income$52,000
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Darigold Credit Union Savings Account Rates

0.12%--Regular Shares
0.12%--Christmas Club
0.12%--IRA Savings

Darigold Credit Union Locations
Branch Office520 NE 165th StShoreline, WA 98155