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Dupont Community

Waynesboro, VA · Charter 62474

NCUA · 15 branches

Q2 2026

$2.1BAssets
$1.2BLoans
$1.9BShares
$229.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.01%, up 32 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.33% of loans (-3 bps YoY).
  • Capital: net worth / assets of 10.91%, up 28 bps from a year ago.
  • Funding: loans stand at 64.44% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.01%+32 bps YoY

Net Interest Margin (quarter, annualized)

2.97%-7 bps YoY

Efficiency Ratio (quarter, annualized)

73.92%-563 bps YoY

Net Worth / Assets

10.91%+28 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.90%0.99%0.87%1.01%+32 bps
Return on Equity6.51%8.32%9.05%8.04%9.26%+275 bps
Net Interest Margin3.04%3.06%3.07%3.01%2.97%-7 bps
Efficiency Ratio79.55%76.06%74.69%76.17%73.92%-563 bps
Growth
Asset Growth (YoY)6.66%8.02%7.41%7.33%8.27%+162 bps
Loan Growth (YoY)0.27%1.68%2.27%1.29%3.96%+368 bps
Share Growth (YoY)5.51%7.30%6.25%6.59%7.47%+196 bps
Asset Quality
Delinquent Loans / Loans0.37%0.32%0.35%0.31%0.33%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.63%10.78%10.92%10.77%10.91%+28 bps
Net Worth / Assets10.63%10.78%10.92%10.77%10.91%+28 bps
Liquidity & Funding
Loans / Shares66.62%66.39%66.14%62.90%64.44%-218 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps