State credit union · DUBUQUE, Iowa · NCUA charter #64917
Dubuque Postal Employees
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $4.4M
- Total assets
- 298
- Members
- 12.8%
- Net-worth ratio
Dubuque Postal Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64917, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Dubuque Postal Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)88
- Member growth65
- Liquidity (loan-to-share)62
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.82% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.38% | 15% |
| Member Growth | 0.68% | 15% |
| Loan-to-Share Ratio | 36.42% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.4M | 298 |
| 2024Q4 | $4.2M | 296 |
| 2023Q4 | $4.3M | 305 |
Credit Union Details
- Charter Number
- 64917
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Iowa
- City
- DUBUQUE
- Data Quarter
- 2025Q4
What This Data Says About Dubuque Postal Employees
298 members and $4.4M in total assets sit behind Dubuque Postal Employees, a state credit union in DUBUQUE, Iowa, which posts a health score of 87/100 (Excellent) on the five-factor composite, with $1.4M in outstanding loans as of Q4 2025 and a net worth ratio of 12.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #64917 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 36.42% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.38% on net income of $17K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.68%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
- GAS & ELECTRIC EMPLOYEESmason city, IA · $2M–$10M88Health
- BURLINGTON MUNICIPAL EMPLOYEESBurlington, IA · $2M–$10M82Health
- DES MOINES FIRE DEPARTMENTDES MOINES, IA · $2M–$10M92Health
- POLK COUNTYDES MOINES, IA · $2M–$10M81Health
- LEE COUNTYKEOKUK, IA · $2M–$10M94Health
Compare Dubuque Postal Employees vs GAS & ELECTRIC EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Dubuque Postal Employees financially healthy?
A 12.82% net worth ratio and a 0.00% delinquency rate feed into Dubuque Postal Employees's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Dubuque Postal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Dubuque Postal Employees's 87/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Dubuque Postal Employees?
Membership eligibility for Dubuque Postal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dubuque Postal Employees directly for current membership requirements and application steps.
Is my money safe at Dubuque Postal Employees?
Federal credit unions like Dubuque Postal Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Dubuque Postal Employees's net worth ratio of 12.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dubuque Postal Employees offer compared to banks?
Credit unions like Dubuque Postal Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Dubuque Postal Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.