BlastPoint's Credit Union Scorecard
DUTRAC COMMUNITY
Charter #64471 · IA
DUTRAC COMMUNITY has 2 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
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.16% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 54.7% in tier
- - Share Certificate Concentration (%): Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,729
+0.2% YoY+0.8% QoQ
|
-42.3K |
96,048
-2.7% YoY
|
24,966
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 9.8% in tier |
| Assets |
$1.3B
+4.5% YoY+3.5% QoQ
|
$-468.3M |
$1.7B
+0.4% YoY
|
$536.2M
+6.4% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$927.4M
+3.1% YoY+1.5% QoQ
|
$-286.4M |
$1.2B
+0.2% YoY
|
$422.1M
+5.8% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$1.1B
+3.7% YoY+3.6% QoQ
|
$-362.4M |
$1.5B
+0.5% YoY
|
$445.2M
+6.5% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
0.9%
+129.7% YoY+20.9% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
0.9%
+9.6% YoY
|
0.4%
-39.2% YoY
|
68% |
| NIM |
2.9%
+11.8% YoY+0.9% QoQ
|
-0.4% |
3.4%
+6.2% YoY
|
3.8%
+3.9% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
70.1%
-15.3% YoY-5.3% QoQ
|
-4.6% |
74.6%
-3.0% YoY
|
75.3%
-1.6% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.7%
-28.8% YoY-25.5% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
1.1%
-19.0% YoY
|
1.2%
+3.4% YoY
|
59% |
| Loan To Share |
84.1%
-0.5% YoY-2.0% QoQ
|
+0.9% |
83.2%
-0.4% YoY
|
74.3%
-0.3% YoY
|
65.6%
-1.4% YoY
|
47% |
| AMR |
$37,791
+3.1% YoY+1.8% QoQ
|
+$8K |
$29,652
+2.3% YoY
|
$21,379
+4.7% YoY
|
$19,920
+1.6% YoY
|
Top 12.4% in tier |
| CD Concentration |
49.5%
+3.8% YoY+2.8% QoQ
|
+20.7% | 28.8% | 21.8% | 19.8% | Top 2.3% in tier |
| Indirect Auto % |
30.6%
-12.5% YoY-0.9% QoQ
|
+12.5% | 18.1% | 9.2% | 7.7% | 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)