DUPACO COMMUNITY

Charter #64049 | IA

3B-5B (76 CUs) Mid-Market (380 CUs)
1 3B-5B in IA

DUPACO COMMUNITY has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 9.2% in tier
  • + Organic Growth Leader: Top 16.3% in tier
  • + Wallet Share Momentum: Top 30.9% in tier
  • + Relationship Depth Leader: Top 33.0% in tier
  • + ROA 0.29% above tier average
  • + Fee Income Per Member: Top 2.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.7% in tier
  • - Growth-at-Risk: Bottom 23.6% in tier
  • - Liquidity Overhang: Bottom 27.4% in tier
  • - Indirect Auto Dependency: Bottom 28.1% in tier
  • - Members Per Employee (MPE): Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 177,135
+4.2% YoY+1.2% QoQ
 -61.3K 238,465
+0.6% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 Bottom 23.7% in tier
Assets $3.6B
+6.6% YoY-0.2% QoQ
 $-384.2M $4.0B
-0.1% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 30th in tier
Loans $2.4B
+3.6% YoY+1.6% QoQ
 $-598.3M $3.0B
+3.3% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 Bottom 13.2% in tier
Deposits $2.8B
+8.6% YoY-0.6% QoQ
 $-500.9M $3.3B
+1.1% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 18.4% in tier
ROA 1.0%
+3.9% YoY+7.8% QoQ
 +0.3% 0.7%
+5.3% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 67th in tier
NIM 2.7%
+2.5% YoY+2.5% QoQ
 -0.5% 3.2%
+13.7% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 Bottom 21.1% in tier
Efficiency Ratio 69.8%
-4.6% YoY-1.0% QoQ
 -1.4% 71.3%
-0.6% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 47th in tier
Delinquency Rate 0.8%
+11.3% YoY+12.6% QoQ
 -0.1 0.8%
+15.9% YoY
 1.2%
-5.8% YoY
 1.2%
-0.9% YoY
 62nd in tier
Loan To Share 85.5%
-4.6% YoY+2.3% QoQ
 -5.4% 90.8%
+2.0% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 28th in tier
AMR $29,655
+2.0% YoY-0.8% QoQ
 +$568 $29,088
+0.1% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 62nd in tier
CD Concentration 37.7%
-4.9% YoY+1.7% QoQ
 +8.8% 29.0%
+0.8% YoY
 22.0%
+1.0% YoY
 19.6%
+6.2% YoY
 Top 15.6% in tier
Indirect Auto % 16.5%
+9.0% YoY+2.7% QoQ
 -2.3% 18.8%
-2.8% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#68 of 246 • Top 9.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.20%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.03%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 16.47%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth
#65 of 138 • Top 16.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.20%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#224 of 264 • Top 30.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.99%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#239 of 264 • Top 33.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.99%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.4K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk
#144 of 217 • Bottom 18.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.08% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Growth-at-Risk

risk
#132 of 161 • Bottom 23.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.63%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.08% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Liquidity Overhang

risk
#89 of 113 • Bottom 27.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.20%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 85.47%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#174 of 202 • Bottom 28.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.58%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 16.47%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 4.20%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 76 peers in tier

Top Strengths (2 metrics)

3
Fee Income Per Member
profitability
Value: $355.27
Peer Avg: $191.96
#3 of 76 Top 2.6% in 3B-5B tier
14
Net Worth Ratio
risk
Value: 12.20%
Peer Avg: 10.75%
#14 of 76 Top 17.1% in 3B-5B tier

Top Weaknesses (5 metrics)

72
Members Per Employee (MPE)
engagement
Value: 278.077
Peer Avg: 433.941
#72 of 76 Bottom 6.6% in 3B-5B tier
66
Total Loans
balance_sheet
Value: $2.42B
Peer Avg: $3.02B
#66 of 76 Bottom 14.5% in 3B-5B tier
62
Total Deposits
balance_sheet
Value: $2.83B
Peer Avg: $3.33B
#62 of 76 Bottom 19.7% in 3B-5B tier
60
Net Interest Margin (NIM)
profitability
Value: 2.70%
Peer Avg: 3.20%
#60 of 76 Bottom 22.4% in 3B-5B tier
58
Total Members
engagement
Value: 177,135
Peer Avg: 238,466
#58 of 76 Bottom 25.0% in 3B-5B tier