State credit union · DUBUQUE, Iowa · NCUA charter #64471
Dutrac Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.21B
- Total assets
- 53,305
- Members
- 11.4%
- Net-worth ratio
Dutrac Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.21B; members 53,305; net-worth ratio 11.42%; health rank #1,668 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,668 of 4,374 health · 2025Q4Dutrac Community · health 87/100 · $1.21B · 2025Q4
Call Report peers
Dutrac Community in the assets neighbourhood
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Dutrac Community vs every NCUA-scored credit union
Dutrac Community sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Dutrac Community
- Loan-to-Share Ratio leads the peer set - 85.77% here, 83.90% peer average (+1.87 pp).
- Widest shortfall vs peers is Return on Assets: -0.18 pp (0.32% vs 0.51%).
Dutrac Community: in-state Call Report ranks
- Health composite ranks #30 of 66 among scored Iowa credit unions.
- Assets rank #5 of 66 inside Iowa ($1.21B reported).
- Iowa membership ordinal: #7 of 66.
- One place up in Iowa, MIDLAND (#29) ties at 87/100; one place down, St. Ludmila S (#31) scores 86/100, 1 point lower.
How Dutrac Community's 5300 filing moved
Dutrac Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $1.21B (2025Q4) to $1.25B (2026Q1).
- Net-worth ratio shifted -0.17 pp (11.59% → 11.42%).
11.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Dutrac Community gives up 13 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 12.4 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 15.0 pts
Dutrac Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.42% | +0.24 pp |
| Delinquency Rate | 0.95% | +0.07 pp |
| Return on Assets | 0.32% | -0.18 pp |
| Member Growth | 0.05% | - |
| Loan-to-Share Ratio | 85.77% | +1.87 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.25B | - |
| 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
Branch Locations (15)
Dutrac Community operates 15 offices across 11 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| ASBURY (Main Office) | DUBUQUE, IA |
| BETTENDORF | Bettendorf, IA |
| CLINTON | CLINTON, IA |
| JERSEY RIDGE | DAVENPORT, IA |
| KIMBERLY | DAVENPORT, IA |
| Decorah | Decorah, IA |
| ST. MARY'S | DUBUQUE, IA |
| PERU ROAD | DUBUQUE, IA |
| HOLLIDAY DRIVE | DUBUQUE, IA |
| Mobile Branch | Dubuque, IA |
| Dyersville | DYERSVILLE, IA |
| ELDRIDGE | ELDRIDGE, IA |
| MAQUOKETA | MAQUOKETA, IA |
| MOLINE | MOLINE, IL |
| MONTICELLO | MONTICELLO, 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.
Dutrac Community nationwide neighbourhoods
Using this data
- Dutrac Community ranks #1,668 of 4,374 nationally on financial health and #30 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community 1st
Frequently Asked Questions
Is Dutrac Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Dutrac Community scores 87/100 (Excellent), with a 11.42% net worth ratio and 0.95% of loans delinquent. It ranks #1,668 of 4,374 nationally on health and #30 of 66 in Iowa.
How does Dutrac Community compare to other credit unions?
Dutrac Community scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (85.77% vs 83.90%). Its widest shortfall is return on assets (0.32% vs 0.51%).
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?
Dutrac Community is a state-chartered credit union; its shares are federally 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 11.42% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.