Democracy Federal Credit Union
Total assets
$190.0M
▲ +3.8% YoY
Shares & deposits
$174.2M
▲ +7.3% YoY
Loans
$121.4M
▼ -10.0% YoY
Members
11,818
▼ -4.8% YoY
ROA (annualized)
-0.57%
peers 0.69%
ROE (annualized)
-8.47%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.9% | -0.1 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | -10.0% | +2.9% | -12.9 pts |
| ROA | -0.57% | 0.69% | -1.3 pts |
| ROE | -8.5% | 5.9% | -14.4 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- P O Box 25516, Alexandria, VA, 22313
- NCUA charter #
- 1407
- RSSD ID
- 499275
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $190.0M | $174.2M | $121.4M | $12.7M | $-269K | -0.57% | 3.11% | 0.80% | 11,818 |
| Q4 2025 | $189.9M | $173.8M | $125.4M | $13.0M | $-741K | -0.39% | 3.32% | 1.12% | 12,010 |
| Q3 2025 | $188.8M | $172.1M | $129.0M | $14.0M | $11K | 0.01% | 3.39% | 0.40% | 12,065 |
| Q2 2025 | $180.8M | $160.9M | $132.5M | $14.1M | $54K | 0.06% | 3.59% | 1.02% | 13,889 |
| Q1 2025 | $183.0M | $162.4M | $134.9M | $13.4M | $-588K | -1.29% | 3.50% | 0.61% | 12,409 |
| Q4 2024 | $181.3M | $155.5M | $140.9M | $14.0M | $-1.8M | -0.98% | 3.68% | 0.80% | 12,567 |
| Q3 2024 | $181.4M | $154.5M | $141.2M | $15.8M | $-276K | -0.20% | 3.71% | 1.49% | 12,681 |
| Q2 2024 | $187.3M | $159.5M | $144.7M | $16.1M | $30K | 0.03% | 3.62% | 0.89% | 12,737 |
Loan mix (Q1 2026): real estate $67.1M · commercial $12.3M · consumer $41.2M · securities $13.1M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.57% | 0.69% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -8.5% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.62% | 21th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.4% | 78.7% | 91th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Transportation Federal Credit UnionAlexandria, VA · $351.9M
- Agriculture Federal Credit UnionMerrifield, VA · $353.1M
- Dominion Energy Credit UnionNorth Chesterfi, VA · $353.9M
- Beacon Credit Union, Incorporated Credit UnionLynchburg, VA · $378.2M
- Park View Federal Credit UnionHarrisonburg, VA · $406.5M
- Signature Federal Credit UnionAlexandria, VA · $406.7M
Selling to Democracy Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.