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Dubuque Postal Employees

Dubuque, IA · Charter 64917

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

69

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

43

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

88

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Dubuque Postal Employees

Dubuque, IA · Charter 64917

NCUA · 1 branch

Q2 2026

$4.3MAssets
$1.3MLoans
$3.6MShares
$660KNet Worth

Executive Summary

  • Earnings: ROA of 1.01%, up 74 bps year over year; NIM at 2.58%.
  • Asset quality: problem loans at 0.00% of loans (-7 bps YoY).
  • Capital: net worth / assets of 15.28%, up 70 bps from a year ago.
  • Funding: loans stand at 35.98% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.01%+74 bps YoY

Net Interest Margin (YTD, annualized)

2.58%+35 bps YoY

Efficiency Ratio (YTD, annualized)

60.86%-2,720 bps YoY

Net Worth / Assets

15.28%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.39%-0.09%0.27%0.44%0.53%0.70%1.01%+74 bps
Return on Equity3.05%2.68%-0.62%1.83%3.00%3.59%4.67%6.62%+479 bps
Net Interest Margin2.11%2.18%2.41%2.23%2.37%2.30%2.64%2.58%+35 bps
Efficiency Ratio79.12%81.88%103.71%88.06%81.41%77.08%73.61%60.86%-2,720 bps
Growth
Asset Growth (YoY)-3.60%-2.68%4.40%1.37%0.54%4.10%1.40%0.40%-97 bps
Loan Growth (YoY)-12.30%-12.10%4.64%18.51%13.30%9.27%1.22%-9.71%-2,822 bps
Share Growth (YoY)-4.30%-3.49%4.86%0.65%0.06%4.08%0.55%-0.03%-68 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.44%0.07%0.23%0.00%0.00%0.00%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.07%1.09%1.02%0.94%0.94%1.00%1.01%1.04%+10 bps
Capital
Risk-Based Capital14.42%14.71%14.35%14.58%14.74%14.66%14.94%15.28%+70 bps
Net Worth / Assets14.42%14.71%14.35%14.58%14.74%14.66%14.94%15.28%+70 bps
Liquidity & Funding
Loans / Shares34.81%34.69%36.11%39.84%39.41%36.42%36.35%35.98%-386 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Dubuque Postal Employees

Dubuque, IA · Charter 64917 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$4.3MAssets
$1.3MLoans
$3.6MShares
$660KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
  • Widest gap: net interest margin trails 95% of credit unions under $1B in assets (rank 1600 of 1683).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.02%

Rank 578 of 1,683

Net Interest Margin

2.60%

Rank 1,600 of 1,683

Efficiency Ratio

60.71%

Rank 195 of 1,682

Equity / Assets

15.29%

Rank 520 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.02%0.35%0.74%1.18%Beats 66%578 / 1,683
Return on Equity6.67%2.67%5.89%8.74%Beats 57%716 / 1,681
Net Interest Margin2.60%3.31%3.82%4.32%Beats 5%1,600 / 1,683
Efficiency Ratio60.71%68.91%78.20%86.93%Beats 88%195 / 1,682
Asset Quality
Nonperforming Loans / Loans0.00%0.26%0.65%1.29%Beats 100%132 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.29%10.44%12.89%16.53%Beats 69%520 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.29%10.44%12.89%16.53%Beats 69%520 / 1,683
Liquidity & Funding
Loans / Deposits35.97%52.61%69.38%83.50%8th pctl1,549 / 1,683
Loans / Assets30.38%44.71%59.18%70.72%8th pctl1,546 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution