Dupont Community Credit Union
Total assets
$2.07B
▲ +7.3% YoY
Shares & deposits
$1.84B
▲ +6.6% YoY
Loans
$1.16B
▲ +1.3% YoY
Members
123,924
▲ +2.2% YoY
ROA (annualized)
0.87%
peers 0.71%
ROE (annualized)
8.04%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.1% | +2.2 pts |
| Share growth (YoY) | +6.6% | +4.9% | +1.7 pts |
| Loan growth (YoY) | +1.3% | +5.4% | -4.2 pts |
| ROA | 0.87% | 0.71% | +0.2 pts |
| ROE | 8.0% | 6.3% | +1.8 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
Profile
- Established
- 1959
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 1365, Waynesboro, VA, 22980
- NCUA charter #
- 62474
- RSSD ID
- 678098
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.07B | $1.84B | $1.16B | $223.0M | $4.5M | 0.87% | 3.01% | 0.31% | 123,924 |
| Q4 2025 | $2.00B | $1.77B | $1.17B | $218.5M | $19.8M | 0.99% | 3.07% | 0.35% | 123,262 |
| Q3 2025 | $1.97B | $1.76B | $1.17B | $212.8M | $13.3M | 0.90% | 3.06% | 0.32% | 122,650 |
| Q2 2025 | $1.94B | $1.73B | $1.15B | $206.2M | $6.7M | 0.69% | 3.04% | 0.37% | 122,068 |
| Q1 2025 | $1.93B | $1.73B | $1.14B | $203.3M | $3.8M | 0.79% | 2.91% | 0.31% | 121,266 |
| Q4 2024 | $1.86B | $1.67B | $1.15B | $199.5M | $8.9M | 0.48% | 2.91% | 0.32% | 120,573 |
| Q3 2024 | $1.83B | $1.64B | $1.15B | $195.2M | $3.8M | 0.27% | 2.89% | 0.43% | 120,135 |
| Q2 2024 | $1.82B | $1.64B | $1.15B | $199.2M | $7.8M | 0.85% | 2.83% | 0.26% | 119,267 |
Loan mix (Q1 2026): real estate $665.6M · commercial $207.1M · consumer $271.6M · securities $504.4M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.71% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 6.3% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.32% | 29th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 73.0% | 62th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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