DEMOCRACY
CUAlexandria, VA
Total Assets
$188M
—
Total Loans
$119M
—
DEMOCRACY in VA reported a Texas Ratio of 9.0% in Q2 2026, rising +2.5pp from the prior quarter. Nonperforming assets increased +0.30pp to 1.11%.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $54M | 45.8% | — | — |
| 1-4 family — junior lien | $11M | 9.7% | — | — |
| Multifamily | $7M | 5.5% | — | — |
| 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 | ||||
FOUNDATION
20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
FOUNDATION
Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
FOUNDATION
Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
DEMOCRACY currently appears on: Net Worth Distress