DUTRAC COMMUNITY
Charter #64471 | IA
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
3 1B-3B in IA
DUTRAC COMMUNITY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 20.0% in tier
- + Wallet Share Momentum: Top 31.6% in tier
- + Relationship Depth Leader: Top 32.1% in tier
- + Organic Growth Engine: Top 32.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 15.4% in tier
- - ROA 0.03% below tier average
- - Efficiency ratio 1.45% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Share Certificate Concentration (%): Bottom 3.6% in tier
- - Total Members: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,594
+0.6% YoY-0.3% QoQ
|
-45.1K |
98,678
-1.9% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 8.9% in tier |
| Assets |
$1.2B
+2.0% YoY-1.6% QoQ
|
$-547.0M |
$1.7B
+0.5% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 20.4% in tier |
| Loans |
$915.0M
+3.5% YoY+0.2% QoQ
|
$-318.1M |
$1.2B
+0.5% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
28th in tier |
| Deposits |
$1.0B
+1.3% YoY-2.1% QoQ
|
$-423.5M |
$1.5B
+1.3% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 21.7% in tier |
| ROA |
0.7%
+90.4% YoY+26.5% QoQ
|
-0.0% |
0.7%
+13.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
50th in tier |
| NIM |
2.9%
+17.6% YoY+4.6% QoQ
|
-0.4% |
3.3%
+9.3% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 22.7% in tier |
| Efficiency Ratio |
75.4%
-10.8% YoY-3.7% QoQ
|
+1.5% |
74.0%
-10.9% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
56th in tier |
| Delinquency Rate |
1.0%
-16.2% YoY-6.2% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
74th in tier |
| Loan To Share |
88.8%
+2.3% YoY+2.3% QoQ
|
+3.6% |
85.2%
-0.8% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
52nd in tier |
| AMR |
$36,307
+1.7% YoY-0.7% QoQ
|
+$7K |
$29,172
+2.8% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 13.5% in tier |
| CD Concentration |
47.6%
-1.5% YoY-0.1% QoQ
|
+18.6% |
29.0%
+0.8% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
Top 4.0% in tier |
| Indirect Auto % |
32.6%
-12.5% YoY-3.4% QoQ
|
+13.8% |
18.8%
-2.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
Top 20.8% in tier |
Signature Analysis
Strengths (4)
Emerging Performer
growth
#107 of 184 • Top 20.0% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.67%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
0.59%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#229 of 264 • Top 31.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.72%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#233 of 264 • Top 32.1% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.72%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$2.5K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#236 of 246 • Top 32.5% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.59%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
0.67%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
32.62%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
New qualifier
Concerns (1)
Indirect Auto Dependency
risk
#96 of 202 • Bottom 15.4% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
1.98%
(Tier:
5.36%, National:
3.04%)
Indirect Auto %:
32.62%
(Tier:
18.80%, National:
7.90%)
Member Growth (YoY):
0.59%
(Tier:
3.18%, National:
9.37%)
202 of 380 Mid-Market CUs have this signature
| 768 nationally
↓ Shrinking
-7 CUs YoY
|
Rank worsening
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)
Top Strengths (3 metrics)
38
Loan-to-Member Ratio (LMR)
engagement
Value:
$17,073
Peer Avg: $13,213
#38 of 304
Top 12.2% in 1B-3B tier
41
Average Member Relationship (AMR)
engagement
Value:
$36,307
Peer Avg: $29,172
#41 of 304
Top 13.2% in 1B-3B tier
72
Net Charge-Off Rate
risk
Value:
0.31%
Peer Avg: 0.60%
#72 of 304
Top 23.4% in 1B-3B tier
Top Weaknesses (9 metrics)
294
Share Certificate Concentration (%)
balance_sheet
Value:
47.63%
Peer Avg: 28.53%
#294 of 304
Bottom 3.6% in 1B-3B tier
277
Total Members
engagement
Value:
53,594
Peer Avg: 98,678
#277 of 304
Bottom 9.2% in 1B-3B tier
264
Members Per Employee (MPE)
engagement
Value:
280.597
Peer Avg: 364.953
#264 of 304
Bottom 13.5% in 1B-3B tier
244
Indirect Auto Concentration (%)
balance_sheet
Value:
32.62%
Peer Avg: 18.32%
#244 of 304
Bottom 20.1% in 1B-3B tier
242
Total Assets
balance_sheet
Value:
$1.17B
Peer Avg: $1.72B
#242 of 304
Bottom 20.7% in 1B-3B tier
241
Fee Income Per Member
profitability
Value:
$158.80
Peer Avg: $210.52
#241 of 304
Bottom 21.1% in 1B-3B tier
240
Deposit Growth Rate
growth
Value:
1.26%
Peer Avg: 5.58%
#240 of 304
Bottom 21.4% in 1B-3B tier
238
Total Deposits
balance_sheet
Value:
$1.03B
Peer Avg: $1.45B
#238 of 304
Bottom 22.0% in 1B-3B tier
235
Net Interest Margin (NIM)
profitability
Value:
2.86%
Peer Avg: 3.26%
#235 of 304
Bottom 23.0% in 1B-3B tier