Sep, 30, 2025 — DIGITAL FEDERAL CREDIT UNION (DCU) is a federal credit union headquartered in MARLBOROUGH, MA with 23 branch locations and about $12.86 billion in total assets. Opened 47 years ago in 1979, DIGITAL FEDERAL CREDIT UNION (DCU) has more than 1.2 million members and employs 1,736 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | DIGITAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 853 Donald Lynch Blvd MARLBOROUGH, MA 01752 |
| Phone: | (508) 804-9705 |
| Fax: | |
| Website: | https://www.dcu.org |
| Branches: | 23 branch locations |
| Members: | 1,189,016 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 23521 |
|---|---|
| Membership Type: | Multiple common bond - Primarily communications and utilities |
| Corporate Credit Union: | No |
| Year Opened: | 1979 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $12,863,239,970 |
| CEO/Manager: | Shruti Miyashiro |
| Chairperson: | Wayne Haubner |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,360,222,373 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 5,937,988,442 |
| Unsecured Loans | 1,158,987,609 |
| Other Loans | 3,667,158,396 |
| TOTAL LOANS | 10,764,134,448 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -178,069,439 |
| Land And Building | 35,994,588 |
| Other Fixed Assets | 48,711,346 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 102,527,228 |
| All Other Assets | 1,509,527 |
| TOTAL ASSETS | 12,863,239,970 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 100,000,000 |
| Accounts Payable & Other Liabilities | 93,747,679 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,917,155,081 |
| Regular shares | 2,753,024,460 |
| All Other Shares & Deposits | 5,734,501,320 |
| TOTAL SHARES & DEPOSITS | 11,404,680,861 |
| TOTAL LIABILITIES | 11,600,855,641 |
| Regular Reserve | 0 |
| Other Reserves | 4,186,003 |
| Undivided Earnings | 1,258,198,326 |
| TOTAL EQUITY | 1,262,384,329 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 12,863,239,970 |
| INCOME & EXPENSE | |
| Loan Income | 484,907,966 |
| Investment Income | 53,260,545 |
| Other Income | 5,625,640 |
| Total Employee Compensation & Benefits | 145,039,365 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 124,387,994 |
| Non-operating Income & (Expense) | -2,755,463 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 87,085,692 |
| Cost of Funds | 159,481,770 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 78,474,503 |
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