PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dutrac Community

Dubuque, IA · Charter 64471

NCUA · 16 branches

Q2 2026

$1.3BAssets
$984.8MLoans
$1.1BShares
$146.2MNet 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 0.96%, up 43 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.74% of loans (-29 bps YoY).
  • Capital: net worth / assets of 11.64%, up 30 bps from a year ago.
  • Funding: loans stand at 89.09% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+27 bps YoY

Efficiency Ratio (YTD, annualized)

68.63%-972 bps YoY

Net Worth / Assets

11.64%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.68%0.71%0.87%0.96%+43 bps
Return on Equity4.68%5.74%6.14%7.65%8.27%+359 bps
Net Interest Margin2.74%2.88%2.85%2.92%3.01%+27 bps
Efficiency Ratio78.35%75.42%73.97%70.08%68.63%-972 bps
Growth
Asset Growth (YoY)7.71%1.98%2.52%4.51%5.45%-226 bps
Loan Growth (YoY)4.04%3.54%2.15%3.10%7.83%+379 bps
Share Growth (YoY)8.60%1.26%1.45%3.65%5.02%-357 bps
Asset Quality
Delinquent Loans / Loans1.03%0.97%0.95%0.71%0.74%-29 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 Capital11.34%11.76%11.59%11.42%11.64%+30 bps
Net Worth / Assets11.34%11.76%11.59%11.42%11.64%+30 bps
Liquidity & Funding
Loans / Shares86.77%88.76%85.77%84.07%89.09%+232 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps