BlastPoint's Credit Union Scorecard

DOMINION ENERGY CREDIT UNION

Charter #66973 · VA

100M-500M

1070 CUs in 100M-500M nationally 24 in VA

DOMINION ENERGY CREDIT UNION has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Members Per Employee (MPE): Top 2.1% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Net Interest Margin (NIM): Bottom 7.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	20,744 -1.2% YoY+0.4% QoQ	+5.6K	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	79%
Assets	$353.9M -0.7% YoY+5.2% QoQ	+$122.2M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	82%
Loans	$164.7M -4.8% YoY-3.3% QoQ	+$20.5M	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	67%
Deposits	$287.8M +0.5% YoY+6.3% QoQ	+$86.7M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	79%

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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	0.7% +75.1% YoY+64.0% QoQ	+0.0%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	51%
NIM	2.7% +17.7% YoY+5.5% QoQ	-0.9%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	Bottom 7.3% in tier
Efficiency Ratio	74.5% -7.6% YoY-8.9% QoQ	-3.5%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	0.4% -8.4% YoY-39.3% QoQ	-0.3	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	35%
Loan To Share	57.2% -5.2% YoY-9.0% QoQ	-13.2%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	22%
AMR	$21,813 -0.3% YoY+2.2% QoQ	$-3K	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	43%
CD Concentration	14.1% -0.4% YoY-4.5% QoQ	-10.1%	24.3%	18.0%	19.8%	50%
Indirect Auto %	4.3% -24.6% YoY-8.2% QoQ	-9.5%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Institutional Decline

decline

#143 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $353.94M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -1.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.80%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#328 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.80%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.44%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#457 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (6 metrics)

Members Per Employee (MPE)

engagement

Value: 592.686

Peer Median: 309.176

#24 of 1070 Top 2.1% in 100M-500M tier

191

Total Assets

balance_sheet

Value: $353.94M

Peer Median: $196.57M

#191 of 1070 Top 17.8% in 100M-500M tier

212

Share Certificate Concentration (%)

balance_sheet

Value: 14.14%

Peer Median: 23.10%

#212 of 1070 Top 19.7% in 100M-500M tier

226

Total Deposits

balance_sheet

Value: $287.81M

Peer Median: $171.29M

#226 of 1070 Top 21.0% in 100M-500M tier

226

Total Members

engagement

Value: 20,744

Peer Median: 13,200

#226 of 1070 Top 21.0% in 100M-500M tier

233

Net Worth Ratio

risk

Value: 13.90%

Peer Median: 11.45%

#233 of 1070 Top 21.7% in 100M-500M tier

Top Weaknesses (7 metrics)

992

Net Interest Margin (NIM)

profitability

Value: 2.72%

Peer Median: 3.62%

#992 of 1070 Bottom 7.4% in 100M-500M tier

950

Loan Growth Rate

growth

Value: -4.80%

Peer Median: 2.93%

#950 of 1070 Bottom 11.3% in 100M-500M tier

932

Asset Growth Rate

growth

Value: -0.72%

Peer Median: 3.91%

#932 of 1070 Bottom 13.0% in 100M-500M tier

861

AMR Growth Rate

growth

Value: -0.28%

Peer Median: 3.46%

#861 of 1070 Bottom 19.6% in 100M-500M tier

861

First Mortgage Concentration (%)

balance_sheet

Value: 45.56%

Peer Median: 29.47%

#861 of 1070 Bottom 19.6% in 100M-500M tier

837

Loan-to-Share Ratio

balance_sheet

Value: 57.21%

Peer Median: 71.88%

#837 of 1070 Bottom 21.9% in 100M-500M tier

820

Deposit Growth Rate

growth

Value: 0.46%

Peer Median: 3.30%

#820 of 1070 Bottom 23.5% in 100M-500M tier