BlastPoint's Credit Union Scorecard

DUPACO COMMUNITY

Charter #64049 · IA

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 1 in IA
View Mid-Market leaderboard →

DUPACO COMMUNITY faces 6 concerns requiring attention

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.4% in tier
  • - Credit Risk Growth: Bottom 55.0% in tier
  • - Indirect Auto Dependency: Bottom 71.1% in tier
  • - Efficiency ratio 5.08% above tier (higher cost structure)
  • - Delinquency rate 0.70% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 181,196
+4.7% YoY+1.2% QoQ
 -39.2K 220,435
-7.6% YoY
 24,966
+0.1% YoY
 33,913
+5.7% YoY
 35%
Assets $3.6B
+2.9% YoY+0.9% QoQ
 $-287.4M $3.9B
-1.5% YoY
 $536.2M
+6.4% YoY
 $578.3M
+9.0% YoY
 38%
Loans $2.5B
+5.0% YoY-0.1% QoQ
 $-434.2M $2.9B
-1.1% YoY
 $422.1M
+5.8% YoY
 $402.4M
+8.7% YoY
 19%
Deposits $2.9B
+5.6% YoY+2.2% QoQ
 $-354.4M $3.3B
-2.5% YoY
 $445.2M
+6.5% YoY
 $494.3M
+9.1% YoY
 32%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.7%
+34.1% YoY-33.7% QoQ
 +0.0% 0.7%
+10.6% YoY
 0.9%
+9.6% YoY
 0.4%
-39.2% YoY
 44%
NIM 2.9%
+15.5% YoY-1.0% QoQ
 -0.3% 3.2%
+4.6% YoY
 3.8%
+3.9% YoY
 3.8%
+4.1% YoY
 28%
Efficiency Ratio 76.4%
-2.7% YoY+11.0% QoQ
 +5.1% 71.3%
-2.6% YoY
 75.3%
-1.6% YoY
 84.6%
+2.8% YoY
 74%
Delinquency Rate 1.4%
+95.2% YoY+93.3% QoQ
 +0.7 0.7%
+9.2% YoY
 1.1%
-19.0% YoY
 1.2%
+3.4% YoY
 Bottom 9.0% in tier
Loan To Share 83.5%
-0.6% YoY-2.2% QoQ
 -4.4% 88.0%
+0.9% YoY
 74.3%
-0.3% YoY
 65.6%
-1.4% YoY
 27%
AMR $29,815
+0.6% YoY-0.0% QoQ
 $-857 $30,672
+5.5% YoY
 $21,379
+4.7% YoY
 $19,920
+1.6% YoY
 56%
CD Concentration 37.0%
-1.0% YoY-0.2% QoQ
 +8.2% 28.8% 21.8% 19.8% 83%
Indirect Auto % 17.8%
+13.2% YoY+5.9% QoQ
 -0.3% 18.1% 9.2% 7.7% 55%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk
#13 of 225 • Bottom 3.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.70% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk
#50 of 183 • Bottom 55.0% in tier

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

Why This Signature
Loan Growth (YoY): 4.97%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.70% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk
#194 of 198 • Bottom 71.1% in tier

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

Why This Signature
Asset Growth (YoY): 2.91%
(Tier: 6.82%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 17.80%
(Tier: 18.07%, National: 7.73%)
but better than tier avg
Member Growth (YoY): 4.71%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 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 78 peers in tier

Top Strengths (2 metrics)

11
Net Worth Ratio
risk
Value: 12.65%
Peer Median: 10.59%
#11 of 78 Top 12.8% in 3B-5B tier
13
Fee Income Per Member
profitability
Value: $248.87
Peer Median: $175.66
#13 of 78 Top 15.4% in 3B-5B tier

Top Weaknesses (3 metrics)

72
Total Delinquency Rate (60+ days)
risk
Value: 1.44%
Peer Median: 0.54%
#72 of 78 Bottom 9.0% in 3B-5B tier
70
Members Per Employee (MPE)
engagement
Value: 288.529
Peer Median: 393.414
#70 of 78 Bottom 11.5% in 3B-5B tier
63
Total Loans
balance_sheet
Value: $2.46B
Peer Median: $2.92B
#63 of 78 Bottom 20.5% in 3B-5B tier
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