Democracy Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 6.8.
Other Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6). Fair liquidity 4.5, driven by a liquidity ratio of 34.7 percent and a “hot money” ratio of 9.1 percent.
Asset Mix:
Home mtgs (30%), consumer loans (23%), comm loans (7%), 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