Credit Union Safety Analysis
Is Dupont Community Credit Union Safe? Waynesboro, Virginia
Based on its Q2 2026 NCUA 5300 call report, Dupont Community Credit Union has a net worth ratio of 10.91%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.33%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Dupont Community Credit Union's net worth ratio is 10.91%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.91%
- Delinquency ratio (60+ days) (Q2 2026): 0.33%
- Return on assets (Q2 2026): 1.17%
- Loan-to-share ratio (Q2 2026): 64.44%
Dupont Community Credit Union (NCUA charter 62474, established 1959) reported $2.10B in assets and 124,899 members for Q2 2026 from Waynesboro, Virginia. It ranks 10 of 94 credit unions in Virginia by total assets. Total assets grew 8.3% from $1.94B on June 30, 2025. It has 2,831 more members than on June 30, 2025 (+2.3%). Its net worth ratio was up 0.28 percentage points from 10.63% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $707.1M of $1.20B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.33% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.77% for Q1 2026; 10.63% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.31% for Q1 2026; 0.37% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.87% for Q1 2026; 0.60% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 62.90% for Q1 2026; 66.62% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $707.1M
- Commercial loans: $197.3M
- Unsecured credit card loans: $111.2M
- Used vehicle loans: $103.2M
- Other unsecured loans and lines of credit: $44.8M
- New vehicle loans: $21.0M
- Other secured non-real estate loans and lines of credit: $10.9M
- Non-federally guaranteed student loans: $2.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.10B | 10.91% | 0.33% | 1.17% | 64.44% |
| March 31, 2026 | $2.07B | 10.77% | 0.31% | 0.87% | 62.90% |
| December 31, 2025 | $2.00B | 10.92% | 0.35% | 1.30% | 66.14% |
| September 30, 2025 | $1.97B | 10.78% | 0.32% | 1.33% | 66.39% |
| June 30, 2025 | $1.94B | 10.63% | 0.37% | 0.60% | 66.62% |
| March 31, 2025 | $1.93B | 10.54% | 0.31% | 0.79% | 66.19% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Dupont Community Credit Union profile
Regulator records: NCUA credit union profile (charter 62474) · FFIEC NIC profile (RSSD 678098)
Frequently asked questions
Is Dupont Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Dupont Community Credit Union's net worth ratio is 10.91%, above the 7% NCUA threshold for well capitalized.
Is Dupont Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Dupont Community Credit Union is a federally insured credit union (NCUA charter 62474): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Dupont Community Credit Union's key safety ratios?
For Q2 2026, Dupont Community Credit Union reports net worth 10.91%, delinquency 0.33%, ROA 1.17%, loan-to-share 64.44%.
What happens to my money if Dupont Community Credit Union fails?
For Q2 2026, Dupont Community Credit Union held $1.86B in shares and deposits for 124,899 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.