CU Explorer
Credit unions · Virginia · Q2 2026

Democracy FCU

Credit union in Alexandria, VA · NCUA charter #1407 · Federal charter

Legal name: Democracy

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$188M
Total loans & leases$119M
Total shares & deposits$172M
Members11,840
Net worth$12.4M
Net worth / assets6.59%
Loans / assets62.99%
Return on assets (annualized)−0.59%
Loan growth (YoY)−10.55%
Member growth (YoY)−14.75%
Delinquency, all loans (60+ days)1.10%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeGovernment

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech unsecured lending, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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