BlastPoint's Credit Union Scorecard
DUPACO COMMUNITY
Charter #64049 · IA
DUPACO COMMUNITY has 4 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does IA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 16.7% in tier
- + Organic Growth Leader: Top 41.1% in tier
- + ROA 0.37% above tier average
- + Fee Income Per Member: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 81.9% in tier
- - Credit Risk Growth: Bottom 82.2% in tier
- - Indirect Auto Dependency: Bottom 96.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
179,112
+4.6% YoY+1.1% QoQ
|
-51.2K |
230,353
-2.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$3.6B
+4.5% YoY+0.2% QoQ
|
$-347.1M |
$3.9B
+0.3% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$2.5B
+5.5% YoY+1.7% QoQ
|
$-474.4M |
$2.9B
-0.2% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$2.9B
+6.5% YoY+1.7% QoQ
|
$-430.7M |
$3.3B
-0.3% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
1.1%
+24.9% YoY+4.7% QoQ
|
+0.4% |
0.7%
+16.8% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
2.9%
+10.3% YoY+8.8% QoQ
|
-0.2% |
3.1%
+9.8% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
68.8%
-7.1% YoY-1.5% QoQ
|
-2.6% |
71.4%
-1.4% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.7%
+7.2% YoY-0.7% QoQ
|
-0.1 |
0.9%
+5.8% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
85.4%
-1.0% YoY-0.0% QoQ
|
-3.5% |
88.9%
-0.2% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$29,818
+1.4% YoY+0.6% QoQ
|
+$136 |
$29,682
+1.5% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
37.1%
-4.9% YoY-1.7% QoQ
|
+8.0% | 29.0% | 22.0% | 19.8% | 82% |
| Indirect Auto % |
16.8%
+9.6% YoY+2.1% QoQ
|
-1.5% | 18.3% | 9.2% | 7.8% | 52% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)