Federal credit union · Demopolis, Alabama · NCUA charter #17311
Demopolis
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $3.1M
- Total assets
- 717
- Members
- 34.1%
- Net-worth ratio
Demopolis - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17311, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Demopolis - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)78
- Earnings (ROA)100
- Member growth97
- Liquidity (loan-to-share)67
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 34.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 34.10% | 30% |
| Delinquency Rate | 1.06% | 25% |
| Return on Assets | 4.71% | 15% |
| Member Growth | 4.67% | 15% |
| Loan-to-Share Ratio | 101.06% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Demopolis
The five-factor composite scores Demopolis at 89/100 (Excellent), reflecting a net worth ratio of 34.10% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Demopolis, Alabama, reports 717 members, $3.1M in total assets, and $1.4M in outstanding loans as of Q4 2025 under charter #17311 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
1.06% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 101.06% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 4.71% on net income of $148K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.67%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Demopolis financially healthy?
A 34.10% net worth ratio and a 1.06% delinquency rate feed into Demopolis's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Demopolis compare to other credit unions?
On PlainCU's health composite, Demopolis lands at 89/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Demopolis are 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 34.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Demopolis offer compared to banks?
Credit unions like Demopolis are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Demopolis directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.