BlastPoint's Credit Union Scorecard
DUTRAC COMMUNITY
Charter #64471 · IA
DUTRAC COMMUNITY has 2 strengths but faces 4 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
- + Relationship Depth Leader: Top 93.8% in tier
- + ROA 0.04% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 55.4% in tier
- - Delinquency rate 0.05% above tier average
- - Share Certificate Concentration (%): Bottom 3.3% in tier
- - Total Members: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,305
+0.1% YoY-0.5% QoQ
|
-44.1K |
97,431
-2.4% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 9.3% in tier |
| Assets |
$1.2B
+2.5% YoY+3.1% QoQ
|
$-514.5M |
$1.7B
+0.9% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$913.5M
+2.2% YoY-0.2% QoQ
|
$-320.9M |
$1.2B
+0.5% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$1.1B
+1.5% YoY+3.3% QoQ
|
$-394.2M |
$1.5B
+0.9% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
25% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+115.2% YoY+7.9% QoQ
|
+0.0% |
0.7%
+20.9% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
2.9%
+19.8% YoY+1.2% QoQ
|
-0.4% |
3.3%
+9.2% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
74.0%
-12.5% YoY-1.9% QoQ
|
-0.1% |
74.1%
-9.5% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.9%
-28.5% YoY-2.0% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
85.8%
+0.7% YoY-3.4% QoQ
|
+1.0% |
84.8%
-0.8% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$37,118
+1.7% YoY+2.2% QoQ
|
+$8K |
$29,428
+2.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 12.6% in tier |
| CD Concentration |
48.2%
+0.5% YoY+1.1% QoQ
|
+19.1% | 29.0% | 22.0% | 19.8% | Top 3.5% in tier |
| Indirect Auto % |
30.8%
-14.2% YoY-5.5% QoQ
|
+12.5% | 18.3% | 9.2% | 7.8% | 78% |
Signature Analysis
Strengths (1)
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)