Demopolis Credit Union

Demopolis Credit Union is headquartered in Demopolis and is the 122^nd largest credit union in the state of Alabama. It is also the 6,920^th largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 1 employees and 672 members. Demopolis Credit Union has a 2-star health rating.

Data for Q4 2011

Institution Statistics DEMOPOLIS NCUA # 17311 BankRate Report View Year Chartered 1966 Employees 1 Primary Regulator Assets and Liabilities Assets $542,000 Loans $494,000 Deposits $472,000 Equity Capital $34,000 Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $54,000 Historic Data - December 2010 Assets $460,000 Equity Capital $42,000 Loan Loss Allowance $27,000 Unbacked Noncurrent Loans $85,000 Profit Margin - Quarterly Net Interest Margin 9.69% Return on Assets -1.29% Return on Equity -20.59% Interest Income $51,000 Non-Interest Income $7,000

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Demopolis Credit Union had $54,000 in non-current loans and owned real-estate with $50,000 in equity and loan loss allowances on hand to cover it. This gives Demopolis Credit Union a Texas Ratio of 108.00% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Demopolis Credit Union held steady from 123.19% as of December 31, 2010 to 108.00% as of December 31, 2011, resulting in a positive change of 12.33%.This indicates that the balance sheet and financial strength for Demopolis Credit Union has held steady in recent periods. Deposit Growth In the past year, Demopolis Credit Union has increased its total deposits by $56,000, resulting in 13.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Demopolis Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Demopolis Credit Union has $542,000 in assets with $50,000 in equity, resulting in a capitalization level of 9.23%, which is average.

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