DUPONT COMMUNITY
Charter #62474 · Waynesboro, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.06% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.72% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.31% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.27% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 67th — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DUPONT COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.07B | 46th pct | 67th pct |
| Members | 123,924 | 51th pct | 70th pct |
| Net worth ratio | 10.77% | 51th pct | 41th pct |
| Return on average assets | 0.88% | 63th pct | 56th pct |
| Net interest margin | 3.06% | 32th pct | 18th pct |
| Cost of funds | 0.72% | 16th pct | 16th pct |
| Loan-to-share | 62.90% | 9th pct | 23th pct |
| Delinquency 60+ days | 0.31% | 16th pct | 13th pct |
| Net charge-off ratio | 0.27% | 20th pct | 13th pct |
| Loan growth YoY | -0.62% | 18th pct | 18th pct |
| Share growth YoY | 4.90% | 63th pct | 59th pct |
| Efficiency ratio | 76.17% | 63th pct | 54th pct |
structural peer set hash: 4d59fc45c6fc7660828e65c0203997ab… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.