BlastPoint's Credit Union Scorecard
DUTRAC COMMUNITY
Charter #64471 · IA
DUTRAC COMMUNITY has 4 strengths but faces 2 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
- + Emerging Performer: Top 34.1% in tier
- + Relationship Depth Leader: Top 36.0% in tier
- + ROA 0.15% above tier average
- + Loan-to-Member Ratio (LMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 48.4% in tier
- - Share Certificate Concentration (%): Bottom 2.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Iowa.
- Shares and deposits +5.0% year over year ($1.11B in shares and deposits).
- Membership: 54,708 members, +1.7% vs a year ago.
- Delinquency rate 0.74%.
- Return on assets 0.96%.
- Efficiency ratio 68.63% vs a 73.02% peer average.
- Loan-to-share ratio 89.09% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,708
+1.7% YoY+1.8% QoQ
|
-42.2K |
96,861
-1.9% YoY
|
24,364
-0.3% YoY
|
34,678
+6.6% YoY
|
Bottom 10.3% in tier |
| Assets |
$1.3B
+5.4% YoY+0.4% QoQ
|
$-467.9M |
$1.7B
+0.4% YoY
|
$535.9M
+4.3% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$984.8M
+7.8% YoY+6.2% QoQ
|
$-249.5M |
$1.2B
+0.7% YoY
|
$432.7M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$1.1B
+5.0% YoY+0.2% QoQ
|
$-358.0M |
$1.5B
+0.5% YoY
|
$446.2M
+5.6% YoY
|
$504.8M
+10.3% YoY
|
31% |
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| ROA |
1.0%
+82.2% YoY+10.4% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
1.0%
+7.5% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
3.0%
+10.4% YoY+3.4% QoQ
|
-0.4% |
3.4%
+6.6% YoY
|
3.9%
+1.8% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
68.6%
-12.4% YoY-2.1% QoQ
|
-4.4% |
73.0%
-2.7% YoY
|
73.5%
+1.3% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.7%
-28.3% YoY+4.8% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
1.1%
-7.5% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
89.1%
+2.7% YoY+6.0% QoQ
|
+4.4% |
84.7%
+0.1% YoY
|
75.0%
-0.8% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$38,205
+4.5% YoY+1.1% QoQ
|
+$9K |
$29,575
+1.5% YoY
|
$21,508
-71.8% YoY
|
$20,028
-0.9% YoY
|
Top 11.3% in tier |
| CD Concentration |
49.6%
+4.0% YoY+0.1% QoQ
|
+20.5% | 29.1% | 21.7% | 20.0% | Top 2.4% in tier |
| Indirect Auto % |
32.4%
-4.0% YoY+6.1% QoQ
|
+14.4% | 18.1% | 9.1% | 7.7% | 80% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)