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Overview / Commentary
540-946-3200
140 Lucy Ln
Waynesboro, VA 22980

Dupont Community Credit Union is headquartered in Waynesboro and is the 10st largest credit union in the state of Virginia. It is also the 242nd largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 226 employees and 66,946 members. Dupont Community Credit Union has a A health rating.

Field of Membership Restrictions

Credit union membership is open to those who live, work, worship or attend school in any of the following Virginia counties or cities: Augusta, Rockingham, Rockbridge, Highland, Bath, Shenandoah, Waynesboro, Staunton, Harrisonburg, Lexington and Buena Vista. Individuals within the immediate family or household of an eligible person also qualify for membership. Additionally, businesses and other legal entities, within the community as defined by DCCU, may join as well. - See Details

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Dupont Community Credit Union had $2.08 million in non-current loans and owned real-estate with $85.62 million in equity and loan loss allowances on hand to cover it. This gives Dupont Community Credit Union a Texas Ratio of 2.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Dupont Community Credit Union decreased slightly from 2.78% as of March 31, 2013 to 2.43% as of March 31, 2014, resulting in a positive change of 12.68%.This indicates that the balance sheet and financial strength for Dupont Community Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Dupont Community Credit Union has increased its total deposits by $40.16 million, resulting in 5.43% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Dupont Community Credit Union has shown is excellent.

Capitalization

GRADE:
C+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Dupont Community Credit Union has $928.44 million in assets with $85.62 million in equity, resulting in a capitalization level of 9.22%, which is average.

Institution Statistics

Overall
NCUA #62474
Year Chartered1959
Employees226
Primary Regulator
Assets and Liabilities
Assets$928.44 million
Loans$655.49 million
Deposits$779.80 million
Equity Capital$82.83 million
Loan Loss Allowance$2.79 million
Unbacked Noncurrent Loans$1.59 million
Real Estate Owned$487,000
Historic Data - March 2013
Assets$871.24 million
Equity Capital$78.59 million
Loan Loss Allowance$3.08 million
Unbacked Noncurrent Loans$1.59 million
Real Estate Owned$55,000
Profit Margin - Quarterly
Net Interest Margin0.99%
Return on Assets0.72%
Return on Equity8.05%
Interest Income$7.68 million
Rates

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Dupont Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$1k-IRA Account
0.25%$1k-Roth IRA Account
0.25%$1k-Coverdell Education Savings Account
0.15%$25-Savings
0.15%--Christmas Club
0.15%--Vacation Club
0.15%--Club Account
0.15%$25-Business Savings Account

Dupont Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.45%$100k-Money Market
0.45%$100k-Business Money Market

Dupont Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.78%-$25kGrow Green Checking Tier II - Qualifying
1.26%-$25kGrow Green Checking Tier I - Qualifying
0.65%$50k-Business Checking

Dupont Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.46%$500-5 Year CD
1.46%$1k-5 Year HSA
1.46%$500-Business 5 Year CD
1.26%$500-4 Year CD
1.26%$1k-4 Year HSA
1.26%$500-Business 4 Year CD
1.00%$500-3 Year CD
1.00%$1k-3 Year HSA
1.00%$500-Business 3 Year CD
0.85%$500-2 1/2 Year CD
0.85%$1k-2 1/2 Year HSA
0.85%$500-Business 2 1/2 Year CD
0.75%$500-2 Year CD
0.75%$1k-2 Year HSA
0.75%$500-Business 2 Year CD
0.50%$500-1 1/2 Year CD
0.50%$500-Business 1 1/2 Year CD
0.45%$500-1 Year CD
0.45%$1k-1 Year HSA
0.45%$500-Business 1 Year CD
0.35%$500-6 Month CD
0.35%$500-Business 6 Month CD

Dupont Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.46%$1k-5 Year IRA
1.26%$1k-4 Year IRA
1.00%$1k-3 Year IRA
0.85%$1k-2 1/2 Year IRA
0.75%$1k-2 Year IRA
0.45%$1k-1 Year IRA
Locations


Dupont Community Credit Union Locations
Branch Office1925 Reservoir StHarrisonburg, VA 22801
Branch Office140 Lucy LnWaynesboro, VA 22980
Branch Office2200 W Main StWaynesboro, VA 22980
Branch Office200 E Broad StWaynesboro, VA 22980
Branch Office315 Lee HwyVerona, VA 24482
Branch Office105 Community WayStaunton, VA 24401
Branch Office2518 Stuarts Draft HwyStuarts Draft, VA 24477
Branch Office2201 N Augusta StStaunton, VA 24401
Branch Office1025 Woodstock Commons DrWoodstock, VA 22664
Branch Office47 W Kaylor Park DrHarrisonburg, VA 22801