TellerScore

Democracy Federal Credit Union (NCUA charter #1407) is based in Alexandria, Virginia. Its Q2 2026 call report shows $188.2M in total assets and $172.3M in member shares and deposits and 4 offices across 3 states.

Based on its Q2 2026 filing, Democracy Federal Credit Union scores 42/100, which we describe as below average. That is higher than only 2% of 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 91st. Its strongest component is funding & liquidity (91/100; 69% loans-to-deposits, 10% uninsured), and its lowest is earnings (0/100; -0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion16/100
Net worth ratio: 6.59%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.11%
Earnings0/100
Return on assets (annualized): -0.59%
Funding & liquidity91/100
Loans ÷ shares: 68.8% · 10.0% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.01%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (49 → 42), mostly because the earnings component weakened by 22 points.

TellerScore
424955Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202451
Q3 202444
Q4 202445
Q1 202547
Q2 202549
Q3 202555
Q4 202543
Q1 202645
Q2 202642
Net worth ratio
6.59%7.64%8.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.58%
Q3 20248.69%
Q4 20247.71%
Q1 20257.32%
Q2 20257.77%
Q3 20257.41%
Q4 20256.83%
Q1 20266.68%
Q2 20266.59%
Delinquent loans (60+ days)
0.40%0.95%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.89%
Q3 20241.49%
Q4 20240.80%
Q1 20250.61%
Q2 20251.02%
Q3 20250.40%
Q4 20251.12%
Q1 20260.80%
Q2 20261.11%
Return on assets
-1.29%-0.61%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.03%
Q3 2024-0.20%
Q4 2024-0.98%
Q1 2025-1.29%
Q2 20250.06%
Q3 20250.01%
Q4 2025-0.39%
Q1 2026-0.57%
Q2 2026-0.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202642$188.2M6.59%1.11%-0.59%68.8%
Q1 202645$190.0M6.68%0.80%-0.57%69.7%
Q4 202543$189.9M6.83%1.12%-0.39%72.1%
Q3 202555$188.8M7.41%0.40%0.01%74.9%
Q2 202549$180.8M7.77%1.02%0.06%82.4%
Q1 202547$183.0M7.32%0.61%-1.29%83.1%
Q4 202445$181.3M7.71%0.80%-0.98%90.6%
Q3 202444$181.4M8.69%1.49%-0.20%91.4%
Q2 202451$187.3M8.58%0.89%0.03%90.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio6.59%
0th
Problem loans1.11%
25th
Net charge-offs1.11%
7th
Return on assets-0.59%
1st
Loans to deposits68.8%
63rd
Uninsured deposits10.0%
17th
Loan-loss reserves0.00%
50th
Texas ratio11.0%
10th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Infirst Federal Credit UnionCredit union Alexandria, VA61 out of 100, Moderate$186.0M10.0%0.49%vs
Beach Municipal Federal Credit UnionCredit union Virginia Beach, VA87 out of 100, Very strong$194.7M14.1%0.78%vs
Central Virginia Federal Credit UnionCredit union Lynchburg, VA72 out of 100, Strong$197.8M12.7%1.59%vs
Urw Community Federal Credit UnionCredit union Danville, VA69 out of 100, Moderate$224.0M14.7%1.47%vs
Celco Community Federal Credit UnionCredit union Narrows, VA85 out of 100, Very strong$143.9M20.9%1.33%vs
Healthcare Systems Federal Credit UnionCredit union Falls Church, VA73 out of 100, Strong$135.5M11.4%0.49%vs

Deposit insurance

Is my money safe at Democracy Federal Credit Union?

Yes. Democracy Federal Credit Union is a federally insured credit union (NCUA charter #1407). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.0% of shares and deposits ($17.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 6.59%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Democracy Federal Credit Union lists 4 offices in 3 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Democracy Federal Credit Union reported 36 home-loan applications under HMDA (LEI 25490008Z6OW7HHL6478): 21 originated ($2,975,000 total), 7 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Democracy Federal Credit Union
Type
Federal credit union
NCUA charter #
1407
RSSD ID
499275
Primary regulator
NCUA
Established
1936
Headquarters
P O Box 25516, Alexandria, VA 22313
Employees
29

Quick answers

Democracy Federal Credit Union: common questions

Is Democracy Federal Credit Union NCUA insured?

Yes. Democracy Federal Credit Union is a federally insured credit union (NCUA charter #1407). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Democracy Federal Credit Union's TellerScore?

42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Democracy Federal Credit Union have?

4 offices as of the latest NCUA data, in 3 states.

Nearby

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