State credit union · Dubuque, Iowa · NCUA charter #64049
Dupaco Community
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $3.59B
- Total assets
- 179,112
- Members
- 12.7%
- Net-worth ratio
Dupaco Community scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.59B; members 179,112; net-worth ratio 12.65%; health rank #171 of 4,374; healthier than 95th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#171 of 4,374 health · 2025Q4Dupaco Community · health 97/100 · $3.59B · 2025Q4
- ROA 97/100
- ASSETS 12.7%
- MEM 0.75%
- RANK 0.82%
- PHOTO $3.59B
- BOOK 179,112
- CHARTER #171/4,374
- NCUSIF PROVIDENT
- CAMELS 64049
Call Report peers
Dupaco Community in the assets neighbourhood
Dupaco Community's $3.59B assets sit next to PROVIDENT ($3.62B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Dupaco Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Dupaco Community - Share Insurance Coverage
Charter #64049's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Dupaco Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 85.44% here, 83.90% peer average (+1.54 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Dupaco Community sits in Iowa
- Iowa health ordinal: #2 of 66.
- Iowa assets place: #3 of 66.
- Member book place in Iowa: #3 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Dupaco Community Call Report trajectory
Dupaco Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $3.59B (2025Q4) to $3.63B (2026Q1).
- Net-worth ratio shifted +0.20 pp (12.45% → 12.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.65% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.5 pts
- Return on Assets 15.0 pts
- Member Growth 14.5 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Dupaco Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.65% | +1.47 pp |
| Delinquency Rate | 0.75% | -0.13 pp |
| Return on Assets | 0.82% | +0.31 pp |
| Member Growth | 4.56% | - |
| Loan-to-Share Ratio | 85.44% | +1.54 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Dupaco Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.63B | - |
| 2025Q4 | $3.59B | 179,112 |
| 2024Q4 | $3.44B | 171,305 |
| 2023Q4 | $3.27B | 163,694 |
Credit Union Details
- Charter Number
- 64049
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Iowa
- City
- Dubuque
- Data Quarter
- 2025Q4
Branch Locations (23)
Dupaco Community operates 23 offices across 15 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Dupaco Operations Center (Main Office) | Dubuque, IA |
| Carroll | Carroll, IA |
| Cedar Falls Learning Lab | Cedar Falls, IA |
| Cedar Rapids Williams | Cedar Rapids, IA |
| Cedar Rapids 1st Avenue | Cedar Rapids, IA |
| Cedar Rapids Edgewood | Cedar Rapids, IA |
| Coralville | Coralville, IA |
| JFK | Dubuque, IA |
| Sycamore | Dubuque, IA |
| Key West | Dubuque, IA |
| Pennsylvania | Dubuque, IA |
| Dyersville | Dyersville, IA |
| Galena | Galena, IL |
| Grimes | Grimes, IA |
| Madison E Washington Ave | Madison, WI |
| Madison Mineral Point Rd | Madison, WI |
| Manchester | Manchester, IA |
| Marion | Marion, IA |
| Peosta | Peosta, IA |
| Platteville | Platteville, WI |
| Waterloo Mullan | Waterloo, IA |
| San Marnan | Waterloo, IA |
| Waukee Learning Lab | Waukee, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Dupaco Community
Cross-state asset and health neighbours for Dupaco Community - kept outside Iowa; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.59B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Dupaco Community ranks #171 of 4,374 nationally on financial health and #2 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Collins Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Collins Community
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Dupaco Community financially healthy?
Dupaco Community scores 97/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #171 of 4,374; by total assets it ranks #139 of 4,374 nationally (same basis as /rankings/largest); and #3 of 66 within Iowa. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.65% net worth ratio and a 0.75% delinquency rate.
How does Dupaco Community compare to other credit unions?
PlainCU's health composite puts Dupaco Community at 97/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Dupaco Community?
Membership eligibility for Dupaco Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dupaco Community directly for current membership requirements and application steps.
Is my money safe at Dupaco Community?
Federal credit unions like Dupaco Community 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. Dupaco Community's net worth ratio of 12.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dupaco Community offer compared to banks?
Credit unions like Dupaco Community 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 Dupaco Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.