DEMOCRACY
CUAlexandria, VA
Total Assets
$190M
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Total Loans
$121M
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DEMOCRACY in VA reported a 7.7% Texas Ratio in Q1 2026, declining -3.2pp from the prior quarter. Nonperforming assets fell to 0.80%, a -0.32pp improvement sequentially.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $56M | 45.9% | — | — |
| 1-4 family — junior lien | $11M | 9.4% | — | — |
| Multifamily | $7M | 5.4% | — | — |
| FOUNDATION Consumer Auto New — Unlock to view | ||||
| FOUNDATION Consumer Auto Used — Unlock to view | ||||
| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
DEMOCRACY currently appears on: Net Worth Distress