Democracy Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 6.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0). Fair liquidity 4.7, driven by a liquidity ratio of 35.7 percent and a “hot money” ratio of 8.2 percent.
Asset Mix:
Home mtgs (27%), consumer loans (22%), comm loans (6%), other (45%)
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
400 North Columbus Street
Alexandria, VA 22314
Alexandria, VA 22314
Phone Number
(202) 488-5400
NCUA Charter Number
Website
Largest Competitors
Alexandria, VA
Alexandria, VA
Alexandria, VA
Alexandria, VA
Alexandria, VA