BlastPoint's Credit Union Scorecard
DUTRAC COMMUNITY
Charter #64471 · IA
DUTRAC COMMUNITY has 2 strengths but faces 6 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 32.5% in tier
- + Relationship Depth Leader: Top 92.4% 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
|
20% |
| 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
|
28% |
| 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
|
22% |
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| 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
|
50% |
| 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
|
23% |
| 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
|
56% |
| 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
|
74% |
| 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
|
52% |
| 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
|
+18.7% |
29.0%
+0.7% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
Top 3.9% in tier |
| Indirect Auto % |
32.6%
-12.5% YoY-3.4% QoQ
|
+13.8% |
18.8%
-3.0% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
79% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
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)