DUTRAC COMMUNITY
Charter #64471 · DUBUQUE, IA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.97% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.18% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 69th — a 53-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | DUTRAC COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.25B | 16th pct | 69th pct |
| Members | 53,729 | 7th pct | 38th pct |
| Net worth ratio | 11.42% | 64th pct | 67th pct |
| Return on average assets | 0.89% | 63th pct | 61th pct |
| Net interest margin | 2.97% | 25th pct | 5th pct |
| Cost of funds | 0.18% | 6th pct | 10th pct |
| Loan-to-share | 84.07% | 43th pct | 39th pct |
| Delinquency 60+ days | 0.71% | 59th pct | 64th pct |
| Net charge-off ratio | 0.34% | 26th pct | 33th pct |
| Loan growth YoY | 1.35% | 44th pct | 35th pct |
| Share growth YoY | 7.01% | 82th pct | 82th pct |
| Efficiency ratio | 70.08% | 40th pct | 26th pct |
structural peer set hash: 6b099f1c8754fc7c008745690c2178f9… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.