DEMOCRACY
Federal • Alexandria, Virginia • Est. 1936
Quick Facts
- Charter Number
- #1407
- Type
- Federal
- Established
- 1936
- Headquarters
- Alexandria, Virginia 22313-5516
- Address
- P O Box 25516
- Branches
- 5
- ATMs
- 4
- Members
- 12,010
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
12,010 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | DEMOCRACY |
|---|---|
| Total Assets | $189.9M |
| Members | 12,010 |
| Loans Outstanding | $125.4M |
| Shares & Deposits | $173.8M |
| Net Worth | $13.0M |
| Net Worth Ratio | 6.83% |
| Loan-to-Share Ratio | 72.1% |
| Delinquency Rate | 1.12% |
| Net Income | +$2,193,642 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 4 ATMs
Silver Hill
5720 Silver Hill Rd
District Heights, MD 20747
Philadelphia
300 Spring Garden St
Philadelphia, PA 19123
Alexandria
Main Office400 N Columbus St
Alexandria, VA 22314
Alexandria
400 N Columbus St
Alexandria, VA 22314-2259
550 C Street Branch
550 C St SW
Washington, DC 20024-2572
Who Can Join DEMOCRACY?
Membership Type: Community
Membership eligibility for DEMOCRACY may vary. Contact the credit union directly to confirm qualification requirements.
Contact DEMOCRACY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Virginia RankingsFrequently Asked Questions
Yes. DEMOCRACY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, DEMOCRACY has 12,010 members and a potential membership field of 1,006,424 people.
DEMOCRACY's net worth ratio is 6.83% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. This is below the 7% well-capitalized threshold.
DEMOCRACY operates 5 branch locations and has access to 4 ATMs. The main office is located at 400 N Columbus St, Alexandria, VA 22314.
DEMOCRACY was established in 1936. It is a federal credit union chartered under charter number 1407. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or DEMOCRACY. All financial data is for informational purposes only.