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Dupaco Community

Dubuque, IA · Charter 64049

NCUA · 24 branches

Q2 2026

$3.5BAssets
$2.5BLoans
$2.9BShares
$472.4MNet 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 1.12%, up 17 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.77% of loans (+10 bps YoY).
  • Capital: net worth / assets of 13.33%, up 146 bps from a year ago.
  • Funding: loans stand at 85.98% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.12%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.08%+47 bps YoY

Efficiency Ratio (quarter, annualized)

68.32%-222 bps YoY

Net Worth / Assets

13.33%+146 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.04%1.08%0.72%1.12%+17 bps
Return on Equity8.01%8.49%8.69%5.68%8.40%+39 bps
Net Interest Margin2.61%2.71%2.94%2.91%3.08%+47 bps
Efficiency Ratio70.54%69.83%68.80%76.36%68.32%-222 bps
Growth
Asset Growth (YoY)9.80%6.58%4.53%2.91%-1.39%-1,119 bps
Loan Growth (YoY)-0.21%3.63%5.51%4.97%6.02%+624 bps
Share Growth (YoY)12.07%8.64%6.52%5.61%3.07%-899 bps
Asset Quality
Delinquent Loans / Loans0.67%0.75%0.75%1.44%0.77%+10 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 Capital11.87%12.20%12.45%12.65%13.33%+146 bps
Net Worth / Assets11.87%12.20%12.45%12.65%13.33%+146 bps
Liquidity & Funding
Loans / Shares83.59%85.47%85.44%83.54%85.98%+239 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps