Charter 1407 · Alexandria, VA
Democracy Federal Credit Union
Democracy Federal Credit Union is a federally chartered credit union in Alexandria, Virginia, with $188 million in assets and 11,840 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 6.59%, below the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $188 million
- +4.1% in a year
- Members
- 11,840
- -14.8% in a year
- Net worth ratio
- 6.59%
- Peer median 11.65%
- Loans 60+ days late
- 1.11%
- Peer median 0.70%
- Loans outstanding
- $119 million
- -10.5% in a year
- Shares and deposits
- $172 million
- +7.1% in a year
- Branches
- 3
- 29 employees
- Opened
- 1936
- Federal charter
How Democracy Federal Credit Union compares
NCUA groups credit unions by size; Democracy Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 6.59% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.11%, is higher than the group median of 0.70%. Loans fell 10.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 38 of 95 credit unions headquartered in Virginia. See all Virginia credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $188 million | 11,840 | $119 million | 6.59% | 1.11% |
| Q1 2026 | $190 million | 11,818 | $121 million | 6.68% | 0.80% |
| Q4 2025 | $190 million | 12,010 | $125 million | 6.83% | 1.12% |
| Q3 2025 | $189 million | 12,065 | $129 million | 7.41% | 0.40% |
| Q2 2025 | $181 million | 13,889 | $133 million | 7.77% | 1.02% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.0 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Democracy Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Silver Hill
5720 Silver Hill Rd, District Heights, MD 20747 - Alexandria (main office)
400 N Columbus St, Alexandria, VA 22314 - Alexandria
400 N Columbus St, Alexandria, VA 22314 - 550 C Street Branch
550 C St Sw, Washington, DC 20024
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology