Digital Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.3 has resulted in Weak (2.6) profitability. Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.1.
Other Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Excellent asset quality (7.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (41%), home mtgs (27%), other (32%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
853 Donald Lynch Boulevard
Marlborough, MA 01752
Marlborough, MA 01752
Phone Number
(508) 804-9705
NCUA Charter Number
Website
Largest Competitors
Chelsea, MA
Rockland, MA
Littleton, MA
Lawrence, MA
Marlborough, MA