Federal credit union · Demopolis, Alabama · NCUA charter #17311
DEMOPOLIS
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $3.1M
- Total assets
- 717
- Members
- 54.5%
- Net-worth ratio
DEMOPOLIS scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.1M; members 717; net-worth ratio 54.46%; health rank #1,176 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,176 of 4,374 health · 2025Q4DEMOPOLIS · health 89/100 · $3.1M · 2025Q4
Call Report peers
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DEMOPOLIS vs every NCUA-scored credit union
DEMOPOLIS sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where DEMOPOLIS diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 101.06% vs peer 63.60% (+37.46 pp).
DEMOPOLIS: in-state Call Report ranks
- In Alabama, health place is #20 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, DEMOPOLIS is #82 of 89 in Alabama.
- Alabama membership ordinal: #80 of 89.
- One place up in Alabama, VALLEY (#19) scores 90/100, 1 point higher; one place down, University of South Alabama (#21) ties at 89/100.
DEMOPOLIS Call Report trajectory
DEMOPOLIS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $3.1M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted +20.36 pp (34.10% → 54.46%).
At 54.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
DEMOPOLIS gives up 11 points in total. Delinquency Rate costs the most, 5.4 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.6 pts
- Return on Assets 15.0 pts
- Member Growth 14.6 pts
- Loan-to-Share Ratio 9.8 pts
DEMOPOLIS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 54.46% | +35.40 pp |
| Delinquency Rate | 1.06% | -0.75 pp |
| Return on Assets | 4.71% | +4.25 pp |
| Member Growth | 4.67% | - |
| Loan-to-Share Ratio | 101.06% | +37.46 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
DEMOPOLIS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.3M | - |
| 2025Q4 | $3.1M | 717 |
| 2024Q4 | $2.4M | 685 |
| 2023Q4 | $2.1M | 673 |
Credit Union Details
- Charter Number
- 17311
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- Demopolis
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, DEMOPOLIS runs one office.
| Office | City |
|---|---|
| Demopolis Federal Credit Union (Main Office) | Demopolis, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- DEMOPOLIS ranks #1,176 of 4,374 nationally on financial health and #20 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Andalusia Mills Employees Credit as is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Andalusia Mills Employees Credit as
Frequently Asked Questions
Is DEMOPOLIS financially healthy?
DEMOPOLIS has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,176 of 4,374 nationally on health and #20 of 89 in Alabama. Its net worth ratio is 54.46% and its delinquency rate 1.06%.
How does DEMOPOLIS compare to other credit unions?
DEMOPOLIS scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (101.06% vs 63.60%).
How can I join DEMOPOLIS?
DEMOPOLIS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact DEMOPOLIS directly for the exact boundaries and application steps.
Is my money safe at DEMOPOLIS?
DEMOPOLIS is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. DEMOPOLIS's net worth ratio of 54.46% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.