Side-by-side · Q2 2026 data
Democracy Federal Credit Union vs Central Virginia Federal Credit Union
Credit union
Democracy Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Credit union
Central Virginia Federal Credit Union
Lynchburg, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Democracy Federal Credit Union | Central Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 42 | 72 (stronger) |
| Capital cushion | 16 | 77 (stronger) |
| Loan quality | 63 (stronger) | 47 |
| Earnings | 0 | 75 (stronger) |
| Funding & liquidity | 91 | 92 (stronger) |
| Problem-loan coverage | 78 | 85 (stronger) |
| Peer percentile | 2nd | 57th |
| Total assets | $188.2M | $197.8M |
| Deposits / shares | $172.3M | $171.2M |
| Capital ratio | 6.59% | 12.70% (stronger) |
| Problem loans | 1.11% (stronger) | 1.59% |
| Net charge-offs | 1.11% | 0.35% (stronger) |
| Return on assets | -0.59% | 1.38% (stronger) |
| Loans ÷ deposits | 68.8% | 68.5% (stronger) |
| Uninsured deposits | 10.0% | 2.3% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.0% | — |
Central Virginia Federal Credit Union has the higher TellerScore (72 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Democracy Federal Credit Union leads on 1 and Central Virginia Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.