State credit union · Dubuque, Iowa · NCUA charter #64049
Dupaco Community
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $3.59B
- Total assets
- 179,112
- Members
- 9.1%
- Net-worth ratio
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.
Dupaco Community - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)93
- Asset quality (delinquency)90
- Earnings (ROA)100
- Member growth96
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.12% | 30% |
| Delinquency Rate | 0.75% | 25% |
| Return on Assets | 0.82% | 15% |
| Member Growth | 4.56% | 15% |
| Loan-to-Share Ratio | 85.44% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Dupaco Community
The five-factor composite scores Dupaco Community at 95/100 (Excellent), reflecting a net worth ratio of 9.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Dubuque, Iowa, reports 179,112 members, $3.59B in total assets, and $2.46B in outstanding loans as of Q4 2025 under charter #64049 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.75% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 85.44% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.82% on net income of $29.5M 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 4.56%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 Dupaco Community financially healthy?
Dupaco Community scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.12% 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 95/100, 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 9.12% 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.
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.