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Democracy
Alexandria, VA · NCUA Charter #1407 · Federal charter · Chartered 1936
Total assets
$188.21M
Shares & deposits
$172.30M
Total loans
$118.55M
Members
11,840
Net worth
$12.41M
Branches
4
Rank: #1,327 of 4,299 U.S. credit unions by assets · #38 of 95 in Virginia. Assets changed 4.1% and membership -14.8% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 6.59% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.69% |
| Loans to shares & deposits | 68.8% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $179.60M | $160.11M | $0 | $16.50M |
| Jun 2023 | $186.41M | $167.76M | $0 | $17.45M |
| Jun 2024 | $187.35M | $159.55M | $0 | $16.12M |
| Jun 2025 | $180.76M | $160.91M | $0 | $14.06M |
| Jun 2026 | $188.21M | $172.30M | $0 | $12.41M |
Branch footprint
| State | Branches |
|---|---|
| Virginia | 2 |
| Maryland | 1 |
| District of Columbia | 1 |
Similar-sized credit unions
Lone Star ($188.33M) · Puerto Rico ($188.02M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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