credit union · NCUA 1407 · VA
How big is DEMOCRACY?
DEMOCRACY (VA, NCUA charter 1407) reported total assets of $188.2M, 11,840 members and a net worth ratio of 6.59% in its Call Report for 2026Q2. That ranks 1327 of 4,299 federally insured credit unions by assets, 568 of 1,061 among credit unions with $100m-$500m in assets, 38 of 95 credit unions in virginia.
What stands out
DEMOCRACY (VA, NCUA charter 1407) reported total assets of $188.2M, 11,840 members and a net worth ratio of 6.59% in its Call Report for 2026Q2. That ranks 1327 of 4,299 federally insured credit unions by assets, 568 of 1,061 among credit unions with $100m-$500m in assets, 38 of 95 credit unions in virginia. Against its size class: net worth ratio 6.59%, below the peer median of 11.65%; loan-to-share ratio 68.80%, below the peer median of 73.15%; return on assets -0.59%, below the peer median of 0.74%. At 6.59% its net worth ratio is below the 7% NCUA threshold, which puts it in the "adequately capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $188.2M | $198.1M | $95.0M | $68.3M | record → |
| Shares and deposits | $172.3M | $172.3M | $85.5M | $58.3M | record → |
| Loans outstanding | $118.6M | $125.2M | $54.0M | $34.4M | record → |
| Net income (year to date) | $-553.2k | $766.3k | $245.9k | $222.2k | record → |
| Net worth | $12.4M | $24.5M | $12.6M | $9.0M | record → |
| Net worth ratio | 6.59% | 11.65% | 12.14% | 12.65% | record → |
| Loan-to-share ratio | 68.80% | 73.15% | 65.34% | 68.70% | computed |
| Return on assets | -0.59% | 0.74% | 0.64% | 0.71% | computed |
| Members | 11,840 | 13,230 | 7,146 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $188.2M | $172.3M | $118.6M | $-553.2k | 6.59% | 11,840 | 1327 |
| 2026Q1 | $190.0M | $174.2M | $121.4M | $-268.9k | 6.68% | 11,818 | 1317 |
| 2025Q4 | $189.9M | $173.8M | $125.4M | $-741.5k | 6.83% | 12,010 | 1303 |
| 2025Q3 | $188.8M | $172.1M | $129.0M | $10.7k | 7.41% | 12,065 | 1311 |
| 2025Q2 | $180.8M | $160.9M | $132.5M | $53.7k | 7.77% | 13,889 | 1352 |
| 2025Q1 | $183.0M | $162.4M | $134.9M | $-588.2k | 7.32% | 12,409 | 1342 |
| 2024Q4 | $181.3M | $155.5M | $140.9M | $-1.8M | 7.71% | 12,567 | 1336 |
| 2024Q3 | $181.4M | $154.5M | $141.2M | $-275.6k | 8.69% | 12,681 | 1331 |
| 2024Q2 | $187.3M | $159.5M | $144.7M | $29.7k | 8.58% | 12,737 | 1311 |
| 2024Q1 | $192.7M | $162.7M | $147.0M | $18.6k | 8.61% | 12,716 | 1296 |
| 2023Q4 | $192.0M | $163.0M | $144.8M | $-183.1k | 8.68% | 12,458 | 1292 |
| 2023Q3 | $184.4M | $166.2M | $139.9M | $-364.0k | 9.27% | 12,358 | 1312 |
| 2023Q2 | $186.4M | $167.8M | $135.1M | $-353.6k | 9.32% | 12,219 | 1305 |
| 2023Q1 | $185.7M | $168.4M | $131.8M | $66.0k | 9.48% | 12,045 | 1313 |
| 2022Q4 | $170.4M | $151.9M | $130.4M | $524.2k | 9.75% | 11,827 | 1380 |
| 2022Q3 | $174.6M | $156.5M | $126.6M | $421.7k | 9.44% | 12,468 | 1359 |
| 2022Q2 | $179.6M | $160.1M | $125.0M | $1.1M | 9.19% | 12,446 | 1336 |
| 2022Q1 | $180.0M | $160.5M | $124.5M | $291.0k | 9.08% | 12,503 | 1338 |
| 2021Q4 | $178.0M | $158.9M | $119.9M | $431.6k | 9.02% | 13,250 | 1332 |
| 2021Q3 | $176.4M | $157.1M | $112.8M | $36.1k | 8.88% | 13,453 | 1333 |
| 2021Q2 | $177.1M | $159.7M | $110.7M | $75.1k | 8.87% | 13,548 | 1315 |
| 2021Q1 | $175.1M | $157.8M | $113.3M | $182.4k | 9.02% | 13,608 | 1315 |
| 2020Q4 | $172.3M | $154.8M | $116.8M | $-782.7k | 9.06% | 13,696 | 1287 |
| 2020Q3 | $170.5M | $153.1M | $117.4M | $-741.6k | 9.18% | 13,889 | 1275 |
| 2020Q2 | $171.1M | $151.3M | $116.0M | $-406.3k | 9.34% | 14,163 | 1266 |
| 2020Q1 | $166.0M | $142.6M | $118.2M | $4.1k | 9.88% | 14,177 | 1236 |
| 2019Q4 | $154.1M | $132.4M | $111.2M | $132.0k | 10.69% | 14,150 | 1265 |
| 2019Q3 | $148.6M | $130.1M | $97.9M | $217.5k | 11.10% | 14,360 | 1286 |
| 2019Q2 | $151.8M | $132.9M | $87.7M | $318.8k | 10.93% | 14,383 | 1272 |
| 2019Q1 | $150.0M | $131.5M | $80.6M | $213.7k | 10.98% | 14,397 | 1285 |
| 2018Q4 | $147.1M | $129.2M | $84.1M | $72.0k | 11.06% | 14,417 | 1273 |
| 2018Q3 | $149.1M | $130.5M | $85.1M | $146.3k | 10.96% | 14,691 | 1260 |
| 2018Q2 | $151.5M | $133.2M | $86.1M | $99.2k | 10.75% | 14,801 | 1257 |
| 2018Q1 | $150.8M | $133.1M | $86.5M | $14.1k | 10.75% | 15,596 | 1262 |
| 2017Q4 | $152.6M | $135.6M | $84.8M | $77.1k | 10.61% | 14,915 | 1231 |
| 2017Q3 | $152.8M | $134.7M | $84.7M | $65.4k | 10.59% | 15,113 | 1230 |
| 2017Q2 | $155.2M | $137.3M | $83.4M | $52.9k | 10.42% | 15,189 | 1212 |
| 2017Q1 | $155.6M | $137.9M | $82.8M | $17.1k | 10.37% | 15,306 | 1215 |
| 2016Q4 | $154.2M | $136.0M | $82.5M | $130.2k | 10.45% | 15,387 | 1193 |
| 2016Q3 | $156.9M | $137.8M | $82.0M | $130.9k | 10.28% | 16,058 | 1182 |
Machine access — free, no API key
Every figure shown here about How big is DEMOCRACY? $188.2M in assets, 11,840 members, net worth 6.59% (2026Q2) can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.
These figures are public records, not protected text. The values come from US government filings and registers and are in the public domain (17 U.S.C. §105) or CC0, stated per fact. Facts themselves carry no copyright. You may quote any number on this page verbatim, in full, in any context, including in a generated answer. No permission is needed and no licence has to be accepted. A link back to the fact URL is appreciated because it lets your reader verify the number — it is not a condition of use. This applies to the values, their units, periods and source references. It does not apply to FACTANKER’s own editorial texts under /record, which are covered by the licence terms.