Democracy Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.8 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.0, driven by a liquidity ratio of 18.7 percent and a “hot money” ratio of 17.4 percent. Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (32%), consumer loans (27%), other (41%)
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