# DOMINION ENERGY CREDIT UNION
North Chesterfi, VA · NCUA charter 66973 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dominion-energy-credit-union-66973

Who the members are: state charter, organized 1940. 20,744 members of 32,132 potential (64.6% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $353.9M |
| Members | 20,744 (-1.2% YoY) |
| Full-time staff | 34 |
| Net worth | $47.7M |
| Net worth ratio | 13.5% (p78 of band) |
| ROA (annualized) | 0.71% (p52 of band) |
| Total delinquency | 0.44% (p35 of band) |
| Net charge-offs (annualized) | 0.35% (p46 of band) |
| Loans / shares | 57% (p15 of band) |
| Cash / assets | 14.3% |
| Borrowings / assets | 4.52% |
| Net interest margin | 2.72% (p8 of band) |
| Operating expense / assets | 2.54% (p13 of band) |
| Vehicles % of loans | 29% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 15% |
| Third-party paper % of net worth | 15% (p29 of band) |
| Vehicle delinquency | 0.13% (p11 of band) |
| Vehicle NCO | 0.72% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 14% |
| Average share balance | $7,435 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $16,617 |
| Loans granted, annualized | $31.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | members leaving |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | net worth falling | members leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | leaning on borrowings |  |
| 2023-03 | 1 | assets shrinking | leaning on borrowings |
| 2023-06 | 2 | margin squeeze, leaning on borrowings | assets shrinking |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 | losing money | margin squeeze |
| 2024-03 | 3 | delinquency rising | losing money |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | assets shrinking |
| 2025-06 | 1 |  | leaning on borrowings |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-08 [Dominion Energy Credit Union announces new Chief Financial Officer - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOblJNd3gwbU5xNG5vdjBZRTdULUlJTm82cVZCOFVkMExCV190QWtWMzE3QWRxd29PQXJ5WlJNYlVBcXBVUHJYcDJyTE82RVZhVjJwakJVN21rS05RRzVQNHh1WkFJNTExOXo5SzFMVllsbEt2LW5oUjNURWVOTTRVNHdGZlpCRW9oV3lBaUFJMFlEdXZFc1IwelNDWHFHVi1nWTZOMmhJM3k0Uk0?oc=5) · CUInsight
- 2025-12-31 [2025 In-House Counsel Awards: Jessica E. Barile - virginiabusiness.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPM3VFZEJBWUNHRThXczgtRFUyQlJwNmI4Z3czQ3BXdW1ET25salJhTG5DTnYzWS1wbnJpSWhUZ29YMTVXRE95cnpEQkFvT0lkdHBGSjhXdEtjbWhUellab0VQSlVZUUo0UjVIeGVhZHh5YkoydEtabWpRV0o2dmowbA?oc=5) · virginiabusiness.com
- 2026-02-20 [UVA Board of Visitors elects new rector, vice rector - WVIR](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNeWVHQU1OYllSUV95RVNNZUtVYmxKbEFXWldjcGg1azFvcC04YUswd3dNU1IzQ2E5SElxVDgzaWdyYmVkNnh2NHBkTVk3S1RfQV9QMENJUUNYb2tKUnY3by1mcW0zbm5WLWZKSFNDQ1J3OTlvN3BvRHVkZ1J4RjRxWG5jT1dmbnM2T3Bj0gGfAUFVX3lxTFBGR2VmdzJfOEktWmtQNW5wS0NCX29ndFZ6UEhmSm1ISGptSnBZeXlHSEQzQzdCbHd2dWJLUjRwS18yWnRzRXkxbnhwRVBxak9UWGQ3aXNWb2paR3ZoYlhoUWF1VVEzc2ZGUWl5aXBwaDhmc0w0bnJkWmVtMmlnYlRLb0JOYzFmUWVBUlYwXzQyTFJIWVQ3X0NLN2QtRmZ3TQ?oc=5) · WVIR
- 2022-09-28 [Dominion Energy Credit Union's CEO to retire in 2023 - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxOR3JoWnkwT1RUMWx6T213VEZuY1VES2pCUEZVQUZjdHR1c1RLdEN4S3NGMnJxNDhMXzlYakhKUkpaZFZyUVRGUHFIb2pBUnlZXzk5cE14Z1hkX1RRVGdKbzBaaVllNEt4emRYWlItQTlLY0RZVmhEYmZtUzZTdzBtTXBuaXItSElQcGFCbGl5X0c4R3Zfcy1TNDhpekRhUG1tblE?oc=5) · American Banker
- 2026-01-20 [Find your crowd: 20+ live music venues in RVA - 6AM City](https://news.google.com/rss/articles/CBMihAFBVV95cUxQTDJBYW81MUFfZFgtRmFpYjFIOXo5T0lSMU9WQl9zOHd6OG1tUXVCbGpWMXVhVG41cmpCaEtjT3ZMQWVHMklmOGFQTUF2elUxZ1JEMVJfZ01yOGFmNHMxSnRkeGJ4TjBxbERWZGphZ2VTaFBkVTF6c01tSmZMYzNvc0NWdDc?oc=5) · 6AM City
- 2026-04-29 [Biz Beat Roundup: New ownership for local golf course - Fredericksburg Free Press](https://news.google.com/rss/articles/CBMipwFBVV95cUxPUE91eF91X3hhb3BvdVBEWUhwdTBtNTVKSzc2Vmp1VmdIN0xBa3NqMS10SS1EMThPN1E1eUJqUzdISmE0VnlKWnRMQXotT1F3ZHJNUUVnbmtxM0ppajBzNUNRemhQWXdxeGRsRGoxWkFuYjNaZjZDcUpUdWRwZU1mX054MmFYVkJod19fUU5nS3NwX0dHSmZ3MFljRFNCRlRUVlVoVDNyVQ?oc=5) · Fredericksburg Free Press
- 2025-12-31 [2025 In-House Counsel Awards: Carlos Brown - virginiabusiness.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE5PM0xpUnVfSVZ2Yk1jVDR0TG9lQ3Noek03Mk1TYjR2N0RUTkp3Z2FBekRiU3VxbDYxcktNdFQxdEQxY01MUVp1dl9nUjlTUjJkQjMtbWtXUi1wU1FWVkdPV0R3WlFHeXF6VjlETlE2XzF4QUMyeURBa3lBaw?oc=5) · virginiabusiness.com
- 2023-07-10 [Dominion Energy Credit Union announces new President/Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNWUN1S0I3bDUyclA0V254ZmNYOGJidUxHZFlzLTdGRU1HaGgyY3dqNXU1bW4zTmhGWUQ5YXdLSDdaM1drbTQwY1R1eWV4S2tralpMZndUc1ZnQ3diVUFmX01Vb2lwa1VGem1qeGtNY2hPb29XRjlBTW56T1JpcXUzdzdJVzBQQWd3dlQ2bVFnTFdwRDhORFdUYThQc1BUeWtwSTVKT1ZhdnNnYkZyT3lJNWVhTDZiUWlT?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66973 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/29.json (key "66973", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66973
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide