Dupont Community Credit Union

Dupont Community Credit Union is headquartered in Waynesboro and is the 10^st largest credit union in the state of Virginia. It is also the 242^nd largest credit union in the nation. It was established in 1959 and as of September of 2011, it had grown to 193 employees and 59,028 members. Dupont Community Credit Union's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

Dupont Community Credit Union Routing Number: 251483311

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Data for Q3 2011

Institution Statistics DUPONT COMMUNITY NCUA # 62474 BankRate Report View Year Established 1959 Employees 193 Primary Regulator Assets and Liabilities Assets $781.38 million Loans $577.92 million Deposits $653.13 million Equity Capital $72.23 million Loan Loss Allowance $3.48 million Unbacked Noncurrent Loans $3.31 million Real Estate Owned $1.64 million Historic Data - September 2010 Assets $732.91 million Equity Capital $66.66 million Loan Loss Allowance $3.08 million Unbacked Noncurrent Loans $2.74 million Real Estate Owned $260,000 Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 0.61% Return on Equity 6.6% Interest Income $23.27 million Non-Interest Income $7.00 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Dupont Community Credit Union had $4.95 million in non-current loans and owned real-estate with $75.71 million in equity and loan loss allowances on hand to cover it. This gives Dupont Community Credit Union a Texas Ratio of 6.54% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Dupont Community Credit Union held steady from 4.31% as of September 30, 2010 to 6.54% as of September 30, 2011, resulting in a negative change of 51.81%. This indicates that the balance sheet and financial strength for Dupont Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Dupont Community Credit Union has increased its total deposits by $38.69 million, resulting in 6.3% 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 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 $781.38 million in assets with $75.71 million in equity, resulting in a capitalization level of 9.69%, which is average.

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