State credit union · North Chesterfi, Virginia · NCUA charter #66973
Dominion Energy Credit Union
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $336.6M
- Total assets
- 20,670
- Members
- 13.1%
- Net-worth ratio
Dominion Energy Credit Union - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66973. See our deposit-insurance coverage note.
Dominion Energy Credit Union - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)91
- Earnings (ROA)68
- Member growth39
- Liquidity (loan-to-share)89
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.12% | 30% |
| Delinquency Rate | 0.72% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | -1.78% | 15% |
| Loan-to-Share Ratio | 62.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $336.6M | 20,670 |
| 2024Q4 | $344.6M | 21,045 |
| 2023Q4 | $360.7M | 21,248 |
Credit Union Details
- Charter Number
- 66973
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- North Chesterfi
- Data Quarter
- 2025Q4
What This Data Says About Dominion Energy Credit Union
Dominion Energy Credit Union is a state credit union headquartered in North Chesterfi, Virginia, serving 20,670 members with $336.6M in total assets and $170.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 82/100 (Excellent), anchored by a net worth ratio of 13.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #66973 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.72% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 62.89% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.18% on net income of $618K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.78%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Dominion Energy Credit Union financially healthy?
Dominion Energy Credit Union has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.12% and delinquency rate of 0.72%.
How does Dominion Energy Credit Union compare to other credit unions?
Dominion Energy Credit Union scores 82/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Dominion Energy Credit Union?
Membership eligibility for Dominion Energy Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dominion Energy Credit Union directly for current membership requirements and application steps.
Is my money safe at Dominion Energy Credit Union?
Federal credit unions like Dominion Energy Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Dominion Energy Credit Union's net worth ratio of 13.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dominion Energy Credit Union offer compared to banks?
Credit unions like Dominion Energy Credit Union are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Dominion Energy Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.