State credit union · DUBUQUE, Iowa · NCUA charter #64471
Dutrac Community
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $1.21B
- Total assets
- 53,305
- Members
- 6.2%
- Net-worth ratio
Dutrac Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64471 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Dutrac Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)55
- Asset quality (delinquency)82
- Earnings (ROA)82
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.21% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.21% | 30% |
| Delinquency Rate | 0.95% | 25% |
| Return on Assets | 0.32% | 15% |
| Member Growth | 0.05% | 15% |
| Loan-to-Share Ratio | 85.77% | 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 | $1.21B | 53,305 |
| 2024Q4 | $1.18B | 53,278 |
| 2023Q4 | $1.07B | 53,139 |
Credit Union Details
- Charter Number
- 64471
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Iowa
- City
- DUBUQUE
- Data Quarter
- 2025Q4
What This Data Says About Dutrac Community
Headquartered in DUBUQUE, Iowa, Dutrac Community is a state credit union with 53,305 members, $1.21B in total assets, and $913.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 74/100 (Very Good), driven in part by a net worth ratio of 6.21% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #64471 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.95% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 85.77% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.32% on net income of $3.9M 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 0.05%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Dutrac Community financially healthy?
Yes/no aside, the number is 74/100 (Very Good) - Dutrac Community's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.21% net worth ratio and 0.95% delinquency rate are the key drivers.
How does Dutrac Community compare to other credit unions?
Dutrac Community scores 74/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Dutrac Community?
Membership eligibility for Dutrac Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dutrac Community directly for current membership requirements and application steps.
Is my money safe at Dutrac Community?
Federal credit unions like Dutrac 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. Dutrac Community's net worth ratio of 6.21% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Dutrac Community offer compared to banks?
Credit unions like Dutrac 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 Dutrac 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.