Dutrac Community
Dubuque, IA · Charter 64471 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$1.3BAssets
$984.8MLoans
$1.1BShares
$146.2MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 65% of credit unions $1B-$10B in assets (rank 153 of 435).
- Widest gap: net interest margin trails 75% of credit unions $1B-$10B in assets (rank 328 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.96%
Rank 153 of 435
Net Interest Margin
3.01%
Rank 328 of 435
Efficiency Ratio
68.63%
Rank 173 of 435
Equity / Assets
11.64%
Rank 163 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.55% | 0.81% | 1.14% | Beats 65% | 153 / 435 | | |
| Return on Equity | 8.27% | 5.12% | 7.41% | 9.70% | Beats 60% | 173 / 435 | | |
| Net Interest Margin | 3.01% | 3.01% | 3.39% | 3.75% | Beats 25% | 328 / 435 | | |
| Efficiency Ratio | 68.63% | 65.25% | 71.39% | 77.86% | Beats 60% | 173 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.45% | 0.69% | 1.05% | Beats 46% | 237 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.64% | 9.81% | 10.84% | 12.63% | Beats 63% | 163 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.64% | 9.81% | 10.84% | 12.63% | Beats 63% | 163 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.09% | 78.33% | 88.38% | 95.61% | 53rd pctl | 205 / 435 | | |
| Loans / Assets | 78.38% | 67.69% | 74.58% | 80.80% | 63rd pctl | 161 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |