DUPONT COMMUNITY

Charter #62474 | VA

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in VA

DUPONT COMMUNITY has 6 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 13.7% in tier
  • + Organic Growth Engine: Top 15.3% in tier
  • + Organic Growth Leader: Top 24.0% in tier
  • + Wallet Share Momentum: Top 26.3% in tier
  • + ROA 0.20% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 2.08% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 122,650
+2.1% YoY+0.5% QoQ
 +24.0K 98,678
-1.9% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 74th in tier
Assets $2.0B
+8.0% YoY+1.7% QoQ
 +$254.1M $1.7B
+0.5% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 67th in tier
Loans $1.2B
+1.7% YoY+1.1% QoQ
 $-67.7M $1.2B
+0.5% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 56th in tier
Deposits $1.8B
+7.3% YoY+1.5% QoQ
 +$300.9M $1.5B
+1.3% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 71st in tier
ROA 0.9%
+228.7% YoY+30.4% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 68th in tier
NIM 3.1%
+6.5% YoY+1.5% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 35th in tier
Efficiency Ratio 76.1%
-15.3% YoY-4.4% QoQ
 +2.1% 74.0%
-10.9% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 59th in tier
Delinquency Rate 0.3%
-25.4% YoY-12.7% QoQ
 -0.5 0.8%
+6.1% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Bottom 14.8% in tier
Loan To Share 66.4%
-5.2% YoY-0.3% QoQ
 -18.8% 85.2%
-0.8% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 Bottom 12.8% in tier
AMR $23,812
+2.8% YoY+0.8% QoQ
 $-5K $29,172
+2.8% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 27th in tier
CD Concentration 26.1%
+4.0% YoY-0.1% QoQ
 -2.9% 29.0%
+0.8% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 38th in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#100 of 264 • Top 13.7% in tier

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

Why This Signature
AMR Growth (YoY): 2.83%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Organic Growth Engine

growth
#112 of 246 • Top 15.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.09%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.90%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#95 of 138 • Top 24.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.09%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#191 of 264 • Top 26.3% in tier

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

Why This Signature
AMR Growth (YoY): 2.83%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (0)

No concerns identified

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 304 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
46
Total Delinquency Rate (60+ days)
risk
Value: 0.32%
Peer Avg: 0.83%
#46 of 304 Top 14.8% in 1B-3B tier
62
Net Charge-Off Rate
risk
Value: 0.27%
Peer Avg: 0.60%
#62 of 304 Top 20.1% in 1B-3B tier
67
Asset Growth Rate
growth
Value: 8.02%
Peer Avg: 4.83%
#67 of 304 Top 21.7% in 1B-3B tier

Top Weaknesses (3 metrics)

265
Loan-to-Share Ratio
balance_sheet
Value: 66.39%
Peer Avg: 85.19%
#265 of 304 Bottom 13.2% in 1B-3B tier
259
Loan-to-Member Ratio (LMR)
engagement
Value: $9,502
Peer Avg: $13,213
#259 of 304 Bottom 15.1% in 1B-3B tier
239
First Mortgage Concentration (%)
balance_sheet
Value: 44.39%
Peer Avg: 34.01%
#239 of 304 Bottom 21.7% in 1B-3B tier