DVA Credit Union

DVA Credit Union is headquartered in WASHINGTON and is the 12^st largest credit union in the state of District of Columbia. It is also the 1,362^nd largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 38 employees and 12,660 members. DVA Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics DVA NCUA # 16416 BankRate Report View Year Chartered 1964 Employees 38 Primary Regulator Assets and Liabilities Assets $107.37 million Loans $44.38 million Deposits $94.85 million Equity Capital $11.83 million Loan Loss Allowance $716,000 Unbacked Noncurrent Loans $2.02 million Real Estate Owned $43,000 Historic Data - December 2010 Assets $112.40 million Equity Capital $11.45 million Loan Loss Allowance $773,000 Unbacked Noncurrent Loans $756,000 Real Estate Owned $80,000 Profit Margin - Quarterly Net Interest Margin 5.6% Return on Assets 0.12% Return on Equity 1.09% Interest Income $3.74 million Non-Interest Income $2.21 million

Institution Health Overall Score: 3 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 DVA Credit Union had $2.06 million in non-current loans and owned real-estate with $12.54 million in equity and loan loss allowances on hand to cover it. This gives DVA Credit Union a Texas Ratio of 16.46% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for DVA Credit Union increased slightly from 6.84% as of December 31, 2010 to 16.46% as of December 31, 2011, resulting in a negative change of 140.75%. This indicates that the balance sheet and financial strength for DVA Credit Union has declined slightly in recent periods. Deposit Growth In the past year, DVA Credit Union has decreased its total deposits by -$4.3 million, resulting in -4.34% 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 DVA Credit Union has shown is below average. 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. DVA Credit Union has $107.36 million in assets with $12.54 million in equity, resulting in a capitalization level of 11.68%, which is above average.

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