Democracy
Democracy is a credit union based in Alexandria, Virginia, established in 1936, with $190 million in total assets serving 11,818 members. By Trust Grade it ranks 93rd of 95 credit unions we track in Virginia. Its net worth ratio of 6.7% trails most similarly sized credit unions (0th percentile), versus a Virginia median of 11.9%. It posted a loss over the most recent period (-0.57% return on assets), a point to watch. No consumer complaints against Democracy appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Democracy compares to Virginia peers
How we graded Democracy
The Trust Grade blends financial strength with complaint history. Full methodology →
- Below the well-capitalized threshold (6.7%)
- Unprofitable over the period (ROA -0.57%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Democracy over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Democracy insured?
Yes. Democracy is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Democracy: frequently asked questions
Is Democracy a good credit union?
Democracy earns a Bankzia Trust Grade of D (63/100, "Below average"), based on a financial-strength score of 63/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (6.7%); Unprofitable over the period (ROA -0.57%).
Is Democracy NCUA-insured?
Yes. Democracy is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Democracy?
Democracy holds $190 million in total assets, ranking 93rd of 95 credit unions we track in Virginia. It serves 11,818 members.
Does Democracy have CFPB complaints?
No CFPB complaints against Democracy appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
