BlastPoint's Credit Union Scorecard
DOMINION ENERGY CREDIT UNION
Charter #66973 · VA
DOMINION ENERGY CREDIT UNION has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.33% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,670
-1.8% YoY-1.6% QoQ
|
+5.2K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$336.6M
-2.3% YoY-1.1% QoQ
|
+$104.7M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$170.3M
-3.4% YoY-1.1% QoQ
|
+$23.0M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$270.8M
-1.9% YoY-1.7% QoQ
|
+$70.0M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.4%
+142.9% YoY-3.0% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
2.6%
+31.4% YoY+3.5% QoQ
|
-1.0% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.9% in tier |
| Efficiency Ratio |
81.8%
-8.1% YoY+1.9% QoQ
|
+4.8% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.7%
+64.5% YoY-11.7% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
62.9%
-1.6% YoY+0.6% QoQ
|
-9.3% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$21,344
-0.7% YoY+0.2% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
14.8%
-0.2% YoY+0.2% QoQ
|
-9.6% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
4.7%
-23.4% YoY-5.7% QoQ
|
-9.1% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)