State credit union · Waynesboro, Virginia · NCUA charter #62474
Dupont Community
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $2.00B
- Total assets
- 123,262
- Members
- 10.8%
- Net-worth ratio
Dupont Community scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.00B; members 123,262; net-worth ratio 10.77%; health rank #400 of 4,374; healthier than 90th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#400 of 4,374 health · 2025Q4Dupont Community · health 95/100 · $2.00B · 2025Q4
- DELQ 95/100
- ROA 10.8%
- ASSETS 0.35%
- MEM 0.44%
- RANK $2.00B
- PHOTO 123,262
- BOOK #400/4,374
- CHARTER Community Choice
- NCUSIF 62474
Call Report peers
Dupont Community in the assets neighbourhood
Dupont Community's $2.00B assets sit next to Community Choice ($2.00B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Dupont Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Dupont Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62474. See our deposit-insurance coverage note.
Where Dupont Community diverges from peer averages
- Delinquency Rate leads the peer set - 0.35% here, 0.87% peer average (-0.52 pp).
- Largest lag: Loan-to-Share Ratio at 66.14% vs peer 83.90% (-17.76 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia standing for Dupont Community
- Health composite ranks #5 of 95 among scored Virginia credit unions.
- By total assets, Dupont Community is #10 of 95 in Virginia.
- Membership ranks #9 of 95 among Virginia CUs with a reported count (123,262 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Dupont Community Call Report trajectory
Dupont Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $2.00B (2025Q4) to $2.07B (2026Q1).
- Net-worth ratio shifted -0.15 pp (10.92% → 10.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.77% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.1 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 14.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.77% | -0.41 pp |
| Delinquency Rate | 0.35% | -0.52 pp |
| Return on Assets | 0.44% | -0.07 pp |
| Member Growth | 2.23% | - |
| Loan-to-Share Ratio | 66.14% | -17.76 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.07B | - |
| 2025Q4 | $2.00B | 123,262 |
| 2024Q4 | $1.86B | 120,573 |
| 2023Q4 | $1.79B | 117,602 |
Credit Union Details
- Charter Number
- 62474
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Virginia
- City
- Waynesboro
- Data Quarter
- 2025Q4
Branch Locations (16)
Dupont Community operates 16 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| DCCU Corporate Headquarters (Main Office) | Waynesboro, VA |
| DCCU Branch - Windward Pointe | Fishersville, VA |
| DCCU Branch - Kaylor Office | Harrisonburg, VA |
| DCCU Branch - Reservoir Office | Harrisonburg, VA |
| DCCU Branch - South High Street Office | Harrisonburg, VA |
| DCCU Branch - Stone Port | Harrisonburg, VA |
| DCCU Branch - Lexington Office | Lexington, VA |
| DCCU Branch - Community Way Office | Staunton, VA |
| DCCU Branch - Downtown Staunton | Staunton, VA |
| DCCU Branch - Stuarts Draft Office | Stuarts Draft, VA |
| DCCU Branch - Verona Office | Verona, VA |
| DCCU Branch - Lucy Lane Office | Waynesboro, VA |
| DCCU Branch - West Main Office | Waynesboro, VA |
| DCCU Branch - Riverside Office | Waynesboro, VA |
| DCCU Operations Center | Waynesboro, VA |
| DCCU Branch - Woodstock Office | Woodstock, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Other-state peers near Dupont Community
Two NCUA Call Report peer sets for Dupont Community, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.00B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Dupont Community ranks #400 of 4,374 nationally on financial health and #5 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Va Community Cu is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Va Community Cu
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Dupont Community financially healthy?
A 10.77% net worth ratio and a 0.35% delinquency rate feed into Dupont Community's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #400 of 4,374; by total assets it ranks #262 of 4,374 nationally (same basis as /rankings/largest); and #10 of 95 within Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Dupont Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Dupont Community's 95/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Dupont Community?
Membership eligibility for Dupont Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dupont Community directly for current membership requirements and application steps.
Is my money safe at Dupont Community?
Federal credit unions like Dupont Community 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. Dupont Community's net worth ratio of 10.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dupont Community offer compared to banks?
Credit unions like Dupont Community 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 Dupont Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.