Federal credit union · Alexandria, Virginia · NCUA charter #1407
DEMOCRACY
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $189.9M
- Total assets
- 12,010
- Members
- 6.7%
- Net-worth ratio
DEMOCRACY scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $189.9M; members 12,010; net-worth ratio 6.68%; health rank #4,192 of 4,374; healthier than 4th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,192 of 4,374 health · 2025Q4DEMOCRACY · health 55/100 · $189.9M · 2025Q4
Call Report peers
DEMOCRACY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DEMOCRACY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DEMOCRACY sits in 55-59 with 115 others.
55 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where DEMOCRACY diverges from peer averages
- Net Worth Ratio trails the peer set - 6.68% here, 12.11% peer average (-5.43 pp).
Virginia standing for DEMOCRACY
- Health composite ranks #92 of 95 among scored Virginia credit unions.
- By total assets, DEMOCRACY is #38 of 95 in Virginia.
- Membership ranks #39 of 95 among Virginia CUs with a reported count (12,010 members).
- One place up in Virginia, United States Senate (#91) ties at 55/100; one place down, Bristol Va School System (#93) scores 52/100, 3 points lower.
Quarter path for DEMOCRACY
DEMOCRACY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $189.9M (2025Q4) to $190.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (6.83% → 6.68%).
At 6.68%, this institution is below the 7.0% NCUA well-capitalized threshold.
How the 55/100 score is built
DEMOCRACY gives up 45 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 20.1 pts
- Delinquency Rate 19.1 pts
- Return on Assets 0.0 pts
- Member Growth 1.0 pts
- Loan-to-Share Ratio 14.8 pts
DEMOCRACY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.68% | -5.43 pp |
| Delinquency Rate | 1.12% | +0.23 pp |
| Return on Assets | -0.93% | -1.55 pp |
| Member Growth | -4.43% | - |
| Loan-to-Share Ratio | 72.14% | -0.06 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
DEMOCRACY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $190.0M | - |
| 2025Q4 | $189.9M | 12,010 |
| 2024Q4 | $181.3M | 12,567 |
| 2023Q4 | $192.0M | 12,458 |
Credit Union Details
- Charter Number
- 1407
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Alexandria
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for DEMOCRACY, spread across 4 cities in 4 states.
| Office | City |
|---|---|
| Alexandria (Main Office) | Alexandria, VA |
| Alexandria | Alexandria, VA |
| Silver Hill | District Heights, MD |
| Philadelphia | Philadelphia, PA |
| 550 C Street Branch | Washington, DC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Cross-state Call Report peers for DEMOCRACY
Using this data
- DEMOCRACY ranks #4,192 of 4,374 nationally on financial health and #92 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- INFIRST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with INFIRST
Frequently Asked Questions
Is DEMOCRACY financially healthy?
On its 2025Q4 NCUA 5300 filing, DEMOCRACY scores 55/100 (Fair), with a 6.68% net worth ratio and 1.12% of loans delinquent. It ranks #4,192 of 4,374 nationally on health and #92 of 95 in Virginia.
How does DEMOCRACY compare to other credit unions?
DEMOCRACY scores 55/100, higher than 4% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (6.68% vs 12.11%).
How can I join DEMOCRACY?
DEMOCRACY serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact DEMOCRACY directly for the current list of qualifying groups.
Is my money safe at DEMOCRACY?
DEMOCRACY 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. DEMOCRACY's net worth ratio of 6.68% is relative to 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.