BlastPoint's Credit Union Scorecard
DUPONT COMMUNITY
Charter #62474 · VA
DUPONT COMMUNITY has 5 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 15.3% in tier
- + Organic Growth Leader: Top 24.0% in tier
- + Credit Quality Leader: Top 61.7% 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
|
74% |
| 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
|
67% |
| 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
|
56% |
| 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
|
71% |
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| 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
|
68% |
| 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
|
35% |
| 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
|
59% |
| 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
|
27% |
| CD Concentration |
26.1%
+4.0% YoY-0.1% QoQ
|
-2.9% |
29.0%
+0.7% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
38% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
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)