DEMOCRACY Credit Union Profile

Showing details for DEMOCRACY Credit Union.

Home > VA > DEMOCRACY

DEMOCRACY

Charter #1407 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (202) 488-5400

Fax: (703) 548-5279

Founding Date: N/A

Website: http://www.democracyfcu.org

Personnel & Operations

President: Ellis, Patricia

Manager: Smith, Andrena

FT Employees: 36

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 5

Hours: Monday-Friday 8:00 AM - 5:00 PM

Credit Union Profile Summary

DEMOCRACY is a FCU Credit Union. With a total of 13,889 members [1], this institution manages approximately $180,764,352 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 7.77% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -8.39% [1].

Financial Snapshot

Total Assets [1]
$180,764,352

Total economic resources.

Total Loans [1]
$132,529,654

Total value of outstanding loans.

Total Deposits [1]
$160,911,480

Total funds deposited by members.

Members [1]
13,889

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.77%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.06%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
82.36%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -3.51%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -8.39%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 9.04%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

400 N Columbus St

Alexandria, VA, 22314
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

No approved reviews yet. Be the first to rate this Credit Union!

Branch Locations

Found 4 branches reported by DEMOCRACY (Charter #1407).

Main Office

Alexandria Main Office

Type: Corporate Office

400 N Columbus St

Alexandria, VA 22314

Phone: (202) 488-5400

Services: None specified

Open in Directions

Additional Branches

Alexandria

Alexandria

Type: Branch Office

400 N Columbus St

Alexandria, VA 22314-2259

Phone: (202) 488-5400

Services: Member Services

Open in Directions

District Heights

Silver Hill

Type: Branch Office

5720 Silver Hill Rd

District Heights, MD 20747

Phone: (202) 488-5400

Services: Member Services, ATM

Open in Directions

Philadelphia

Philadelphia

Type: Branch Office

300 Spring Garden St

Philadelphia, PA 19123

Phone: (202) 488-5400

Services: Member Services, ATM

Open in Directions