DUBUQUE POSTAL EMPLOYEES
Charter #64917 | IA
<100M
(2596 CUs)
Micro
($0-$500M)
39 <100M in IA
DUBUQUE POSTAL EMPLOYEES has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 7.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 0.01% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 6.0% in tier
- - Fee Income Per Member: Bottom 6.2% in tier
- - Total Members: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
302
+2.4% YoY-0.3% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
Bottom 8.1% in tier |
| Assets |
$4.3M
+0.5% YoY+0.3% QoQ
|
$-25.5M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 17.1% in tier |
| Loans |
$1.4M
+13.3% YoY-0.5% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.5% in tier |
| Deposits |
$3.7M
+0.1% YoY+0.5% QoQ
|
$-21.8M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 18.2% in tier |
| ROA |
0.4%
+0.1% YoY+66.1% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
34th in tier |
| NIM |
2.4%
+12.2% YoY+6.8% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio |
81.4%
+2.9% YoY-7.6% QoQ
|
+0.0% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
58th in tier |
| Delinquency Rate |
0.2%
+215.8% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
29th in tier |
| Loan To Share |
39.4%
+13.2% YoY-1.1% QoQ
|
-21.8% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 18.2% in tier |
| AMR |
$16,920
+1.1% YoY+0.6% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
67th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
184
Loan Growth Rate
growth
Value:
13.30%
Peer Avg: 59.01%
#184 of 2596
Top 7.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
385
Member Growth Rate
growth
Value:
2.37%
Peer Avg: 14.92%
#385 of 2596
Top 14.8% in <100M tier
Top Weaknesses (7 metrics)
2440
Net Interest Margin (NIM)
profitability
Value:
2.38%
Peer Avg: 3.93%
#2440 of 2596
Bottom 6.0% in <100M tier
2435
Fee Income Per Member
profitability
Value:
$0.43
Peer Avg: $182.96
#2435 of 2596
Bottom 6.2% in <100M tier
2385
Total Members
engagement
Value:
302
Peer Avg: 2,626
#2385 of 2596
Bottom 8.2% in <100M tier
2220
Total Loans
balance_sheet
Value:
$1.44M
Peer Avg: $15.77M
#2220 of 2596
Bottom 14.5% in <100M tier
2153
Total Assets
balance_sheet
Value:
$4.31M
Peer Avg: $29.86M
#2153 of 2596
Bottom 17.1% in <100M tier
2124
Total Deposits
balance_sheet
Value:
$3.67M
Peer Avg: $25.45M
#2124 of 2596
Bottom 18.2% in <100M tier
2119
Loan-to-Share Ratio
balance_sheet
Value:
39.41%
Peer Avg: 61.23%
#2119 of 2596
Bottom 18.4% in <100M tier