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DIGITAL FEDERAL CREDIT UNION (DCU)

Mar, 31, 2021 — DIGITAL FEDERAL CREDIT UNION (DCU) is a federal credit union headquartered in MARLBOROUGH, MA with 23 branch locations and about $9.85 billion in total assets. Opened 42 years ago in 1979, DIGITAL FEDERAL CREDIT UNION (DCU) has about 932,444 members and employs 1,641 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 211391825
Name:DIGITAL FEDERAL CREDIT UNION
Address:
(Main Office)
220 DONALD LYNCH BLVD
MARLBOROUGH, MA 01752
Phone:(508) 263-6705
Fax:
Website:http://www.dcu.org
Branches:23 branch locations
Members:932,444
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, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$9,850,411,641
CEO/Manager:James Regan
Chairperson:Matthew Menning

Call Report

  • Commercial Loans
  • Credit Builder
  • Indirect Consumer Loans
  • Interest Only or Payment Option 1st Mortgage Loans
  • Micro Business Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • First Time Homebuyer Program
  • Health Savings Accounts
  • Insurance/Investment Sales
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 2,210,927,834
TOTAL INVESTMENTS 546,556,693
Loans Held for Sale 223,647,602
 
 Real Estate Loans 2,921,004,941
 Unsecured Loans 1,069,676,862
 Other Loans 2,798,216,774
 TOTAL LOANS 6,799,843,025
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -169,800,067
 Land And Building 52,361,091
 Other Fixed Assets 26,014,207
 NCUSIF Deposit 84,434,048
 All Other Assets 76,427,208
  TOTAL ASSETS 9,850,411,641
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 86,290,980
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 545,718,023
 Regular shares 5,398,835,631
 All Other Shares & Deposits 2,877,162,389
  TOTAL SHARES & DEPOSITS 8,821,716,043
  TOTAL LIABILITIES 8,908,007,023
 Regular Reserve 100,226,927
 Other Reserves 62,981
 Undivided Earnings 842,114,710
  TOTAL EQUITY 942,404,618
  TOTAL LIABILITIES, SHARES, & EQUITY 9,850,411,641
INCOME & EXPENSE  
 Loan Income 77,246,558
 Investment Income 1,206,961
 Other Income 25,158
 Total Employee Compensation & Benefits 35,321,488
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 39,520,470
 Non-operating Income & (Expense) 4,848,834
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 4,000,000
 Cost of Funds 11,660,320
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 4,981,811
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