DEMOCRACY

Charter #1407 | VA

100M-500M (1077 CUs) Micro
25 100M-500M in VA

DEMOCRACY has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 10.0% in tier
  • + Relationship Depth Leader: Top 13.2% in tier
  • + Emerging Performer: Top 33.2% in tier
  • + Fee Income Per Member: Top 0.6% in tier
  • + Deposit Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 5.3% in tier
  • - Membership Headwinds: Bottom 7.3% in tier
  • - Stagnation Risk: Bottom 19.6% in tier
  • - ROA 0.78% below tier average
  • - Member decline: -4.9% YoY
  • - Net Worth Ratio: Bottom 1.2% in tier
  • - Net Charge-Off Rate: Bottom 2.3% in tier
  • - Loan Growth Rate: Bottom 4.8% in tier
  • - Member Growth Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 12,065
-4.9% YoY-13.1% QoQ
 -3.6K 15,628
-3.4% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 42nd in tier
Assets $188.8M
+4.1% YoY+4.4% QoQ
 $-42.5M $231.3M
-0.0% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 48th in tier
Loans $129.0M
-8.6% YoY-2.7% QoQ
 $-18.8M $147.8M
-1.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 52nd in tier
Deposits $172.1M
+11.4% YoY+7.0% QoQ
 $-28.2M $200.3M
-0.0% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 50th in tier
ROA 0.0%
-103.9% YoY-87.0% QoQ
 -0.8% 0.8%
+15.5% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 7.1% in tier
NIM 3.5%
-4.9% YoY-2.9% QoQ
 -0.1% 3.6%
+6.9% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 42nd in tier
Efficiency Ratio 75.3%
-14.0% YoY+4.2% QoQ
 -2.0% 77.3%
-3.0% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 43rd in tier
Delinquency Rate 0.4%
-72.8% YoY-60.2% QoQ
 -0.5 0.9%
+7.6% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 28th in tier
Loan To Share 74.9%
-18.0% YoY-9.0% QoQ
 +2.2% 72.7%
-1.5% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 52nd in tier
AMR $24,953
+7.0% YoY+18.1% QoQ
 +$590 $24,363
+2.9% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 64th in tier
CD Concentration 19.1%
+29.2% YoY+6.8% QoQ
 -5.3% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.8%
-2.5% QoQ
 -13.1% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#278 of 1006 • Top 10.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.03%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#364 of 1006 • Top 13.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.03%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#624 of 627 • Top 33.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.01%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -4.86%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (3)

Institutional Decline

decline
#43 of 256 • Bottom 5.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $188.80M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -4.86%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -8.64%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#121 of 550 • Bottom 7.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.86%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#323 of 550 • Bottom 19.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.01%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.86%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 19.06%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

7
Fee Income Per Member
profitability
Value: $528.18
Peer Avg: $174.31
#7 of 1077 Top 0.6% in 100M-500M tier
92
Deposit Growth Rate
growth
Value: 11.39%
Peer Avg: 4.69%
#92 of 1077 Top 8.4% in 100M-500M tier
220
AMR Growth Rate
growth
Value: 7.03%
Peer Avg: 3.64%
#220 of 1077 Top 20.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1065
Net Worth Ratio
risk
Value: 7.41%
Peer Avg: 12.15%
#1065 of 1077 Bottom 1.2% in 100M-500M tier
1053
Net Charge-Off Rate
risk
Value: 1.73%
Peer Avg: 0.47%
#1053 of 1077 Bottom 2.3% in 100M-500M tier
1026
Loan Growth Rate
growth
Value: -8.64%
Peer Avg: 3.45%
#1026 of 1077 Bottom 4.8% in 100M-500M tier
1000
Return on Assets (ROA)
profitability
Value: 0.01%
Peer Avg: 0.79%
#1000 of 1077 Bottom 7.2% in 100M-500M tier
971
Member Growth Rate
growth
Value: -4.86%
Peer Avg: 0.72%
#971 of 1077 Bottom 9.9% in 100M-500M tier
856
First Mortgage Concentration (%)
balance_sheet
Value: 44.80%
Peer Avg: 30.43%
#856 of 1077 Bottom 20.6% in 100M-500M tier