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Overview / Commentary
107 N Westover Blvd
Albany, GA 31707

DOCO Credit Union is headquartered in Albany and is the 13st largest credit union in the state of Georgia. It is also the 907th largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 84 employees and 41,268 members. DOCO Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to anyone who lives, works, worships, attends school in one of the following Georgia counties: Baker, Calhoun, Colquitt, Clay, Dougherty, Early, Mitchell, Quitman, Randolph, Stewart, Terrell, Webster and Worth. You can also be eligible via select employer groups and via family. Please refer to the credit union's who can join page for more details. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 DOCO Credit Union had $4.42 million in non-current loans and owned real-estate with $24.66 million in equity and loan loss allowances on hand to cover it. This gives DOCO Credit Union a Texas Ratio of 17.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for DOCO Credit Union experienced no significant changes from 18.26% as of March 31, 2013 to 17.91% as of March 31, 2014, resulting in a positive change of 1.92%.This indicates that the balance sheet and financial strength for DOCO Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, DOCO Credit Union has increased its total deposits by $5.08 million, resulting in 2.8% 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 DOCO Credit Union has shown is above average.



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. DOCO Credit Union has $211.04 million in assets with $24.66 million in equity, resulting in a capitalization level of 11.68%, which is excellent.

Institution Statistics

NCUA #68618
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$211.04 million
Loans$133.89 million
Deposits$186.79 million
Equity Capital$23.33 million
Loan Loss Allowance$1.32 million
Unbacked Noncurrent Loans$1.90 million
Real Estate Owned$2.52 million
Historic Data - March 2013
Assets$202.75 million
Equity Capital$20.35 million
Loan Loss Allowance$1.20 million
Unbacked Noncurrent Loans$1.90 million
Real Estate Owned$2.57 million
Profit Margin - Quarterly
Return on Assets1.04%
Return on Equity9.38%
Interest Income$2.67 million

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DOCO Credit Union Savings Account Rates

0.25%$501-Regular Shares
0.25%$50-IRA Regular Deposit Account
0.25%--Christmas Club
0.25%--Vacation Club
0.25%$50-Roth IRA Regular Deposit Account

DOCO Credit Union Money Market Rates

0.30%$25k-Preferred Money Market

DOCO Credit Union Checking Account Rates

0.15%--Share Draft/Checking

DOCO Credit Union CD Rates

1.25%$500-60 Month CD
1.00%$500-36 Month CD
0.80%$500-24 Month CD
0.60%$500-12 Month CD
0.60%$500-18 Month CD
0.40%$500-6 Month CD
0.30%$500-90 Day CD

DOCO Credit Union IRA Rates

1.25%$500-60 Month IRA
1.00%$500-36 Month IRA
0.80%$500-24 Month IRA
0.60%$500-12 Month IRA
0.60%$500-18 Month IRA
0.40%$500-6 Month IRA
0.30%$500-90 Day IRA

DOCO Credit Union Locations
Branch Office2101 Rosebrier AveAlbany, GA 31705
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Branch Office244 Cordele Rd Ste 101Albany, GA 31705
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Branch Office107 N Westover BlvdAlbany, GA 31707