Digital Federal Credit Union
Major Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Good asset quality (6.9). Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.6 has resulted in Good (6.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (36%), home mtgs (26%), other (38%)
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
Lowell, MA
Marlborough, MA