BlastPoint's Credit Union Scorecard

DUPONT COMMUNITY

Charter #62474 · VA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 8 in VA

View Mid-Market leaderboard →

DUPONT COMMUNITY has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 27.2% in tier
+ Organic Growth Leader: Top 68.1% in tier
+ ROA 0.31% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 90.5% in tier
- Credit Risk Growth: Bottom 97.5% in tier
- Efficiency ratio 0.64% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	123,262 +2.2% YoY+0.5% QoQ	+25.8K	97,431 -2.4% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	76%
Assets	$2.0B +7.4% YoY+1.4% QoQ	+$277.0M	$1.7B +0.9% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	68%
Loans	$1.2B +2.3% YoY+0.6% QoQ	$-61.7M	$1.2B +0.5% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	57%
Deposits	$1.8B +6.2% YoY+1.0% QoQ	+$313.6M	$1.5B +0.9% YoY	$2.5B +10.1% YoY	$477.3M +9.7% YoY	73%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +107.2% YoY+10.0% QoQ	+0.3%	0.7% +20.9% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	78%
NIM	3.1% +5.2% YoY+0.1% QoQ	-0.2%	3.3% +9.2% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	33%
Efficiency Ratio	74.7% -11.8% YoY-1.8% QoQ	+0.6%	74.1% -9.5% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	51%
Delinquency Rate	0.4% +9.3% YoY+10.4% QoQ	-0.5	0.9% +6.2% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	15%
Loan To Share	66.1% -3.7% YoY-0.4% QoQ	-18.6%	84.8% -0.8% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	Bottom 12.6% in tier
AMR	$23,897 +2.3% YoY+0.4% QoQ	$-6K	$29,428 +2.4% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	24%
CD Concentration	26.1% +2.9% YoY+0.2% QoQ	-2.9%	29.0%	18.3%	19.8%	38%
Indirect Auto %	0.0%	-18.3%	18.3%	9.6%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#68 of 247 • Top 27.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.23%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.99%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#97 of 142 • Top 68.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.23%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#191 of 211 • Bottom 90.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.06% points, National: 0.06% points)

but better than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Credit Risk Growth

risk

#160 of 164 • Bottom 97.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.27%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.06% points, National: 0.06% points)

but better than tier avg

164 of 378 Mid-Market CUs have this signature | 665 nationally

→ No prior data (164 CUs now) | 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)

Compare against:

Comparing against 302 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: -

#47 of 302 Top 15.2% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.27%

Peer Median: -

#61 of 302 Top 19.9% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 0.99%

Peer Median: -

#66 of 302 Top 21.5% in 1B-3B tier

Total Members

engagement

Value: 123,262

Peer Median: -

#74 of 302 Top 24.2% in 1B-3B tier

Top Weaknesses (4 metrics)

264

Loan-to-Share Ratio

balance_sheet

Value: 66.14%

Peer Median: -

#264 of 302 Bottom 12.9% in 1B-3B tier

259

Loan-to-Member Ratio (LMR)

engagement

Value: $9,514

Peer Median: -

#259 of 302 Bottom 14.6% in 1B-3B tier

241

First Mortgage Concentration (%)

balance_sheet

Value: 44.23%

Peer Median: -

#241 of 302 Bottom 20.5% in 1B-3B tier

230

Average Member Relationship (AMR)

engagement

Value: $23,897

Peer Median: -

#230 of 302 Bottom 24.2% in 1B-3B tier