Side-by-side · Q2 2026 data
Infirst Federal Credit Union vs Democracy Federal Credit Union
Credit union
Democracy Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Infirst Federal Credit Union | Democracy Federal Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 42 |
| Capital cushion | 50 (stronger) | 16 |
| Loan quality | 84 (stronger) | 63 |
| Earnings | 23 (stronger) | 0 |
| Funding & liquidity | 75 | 91 (stronger) |
| Problem-loan coverage | 91 (stronger) | 78 |
| Peer percentile | 24th | 2nd |
| Total assets | $186.0M | $188.2M |
| Deposits / shares | $165.7M | $172.3M |
| Capital ratio | 10.02% (stronger) | 6.59% |
| Problem loans | 0.49% (stronger) | 1.11% |
| Net charge-offs | 0.37% (stronger) | 1.11% |
| Return on assets | 0.09% (stronger) | -0.59% |
| Loans ÷ deposits | 85.0% | 68.8% (stronger) |
| Uninsured deposits | 6.0% (stronger) | 10.0% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.0% |
Infirst Federal Credit Union has the higher TellerScore (61 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Infirst Federal Credit Union leads on 6 and Democracy Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.