DEMOCRACY
Charter #1407 · Alexandria, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.68% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.57% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.11% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 1.85% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.27% sits at the 97th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DEMOCRACY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $189.99M | 48th pct | 39th pct |
| Members | 11,818 | 43th pct | 38th pct |
| Net worth ratio | 6.68% | 0th pct | 3th pct |
| Return on average assets | -0.57% | 2th pct | 8th pct |
| Net interest margin | 3.11% | 19th pct | 18th pct |
| Cost of funds | 1.85% | 83th pct | 87th pct |
| Loan-to-share | 69.69% | 46th pct | 43th pct |
| Delinquency 60+ days | 0.80% | 65th pct | 57th pct |
| Net charge-off ratio | 1.27% | 94th pct | 97th pct |
| Loan growth YoY | -5.86% | 4th pct | 2th pct |
| Share growth YoY | 1.22% | 19th pct | 28th pct |
| Efficiency ratio | 93.42% | 91th pct | 75th pct |
structural peer set hash: 875237760a702fbfcfce456efb1738c6… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.