TellerScore

Dutrac Community Credit Union (NCUA charter #64471) is based in Dubuque, Iowa. Its Q2 2026 call report shows $1.3B in total assets and $1.1B in member shares and deposits and 7 offices.

Based on its Q2 2026 filing, Dutrac Community Credit Union scores 69/100, which we describe as moderate. That is higher than 54% of 454 credit unions with $1 billion – $10 billion. Among 66 credit unions headquartered in Iowa, it ranks 45th. Its strongest component is problem-loan coverage (89/100; 5.7%), and its lowest is earnings (59/100; 0.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.64%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.74%
Earnings59/100
Return on assets (annualized): 0.96%
Funding & liquidity68/100
Loans ÷ shares: 89.1% · 17.5% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.70%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (63 → 69), mostly because the earnings component improved by 18 points.

TellerScore
586469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202460
Q4 202458
Q1 202561
Q2 202563
Q3 202566
Q4 202566
Q1 202669
Q2 202669
Net worth ratio
7.00%9.38%11.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.76%
Q3 202411.41%
Q4 202411.18%
Q1 202511.10%
Q2 202511.33%
Q3 202511.75%
Q4 202511.59%
Q1 202611.42%
Q2 202611.64%
Delinquent loans (60+ days)
0.71%1.02%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.01%
Q3 20241.15%
Q4 20241.33%
Q1 20250.99%
Q2 20251.03%
Q3 20250.97%
Q4 20250.95%
Q1 20260.71%
Q2 20260.74%
Return on assets
0.33%0.65%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.35%
Q4 20240.33%
Q1 20250.38%
Q2 20250.53%
Q3 20250.68%
Q4 20250.71%
Q1 20260.87%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.3B11.64%0.74%0.96%89.1%
Q1 202669$1.3B11.42%0.71%0.87%84.1%
Q4 202566$1.2B11.59%0.95%0.71%85.8%
Q3 202566$1.2B11.75%0.97%0.68%88.8%
Q2 202563$1.2B11.33%1.03%0.53%86.8%
Q1 202561$1.2B11.10%0.99%0.38%84.5%
Q4 202458$1.2B11.18%1.33%0.33%85.2%
Q3 202460$1.1B11.41%1.15%0.35%86.8%
Q2 202463$1.1B11.76%1.01%0.34%90.6%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.64%
63rd
Problem loans0.74%
45th
Net charge-offs0.33%
72nd
Return on assets0.96%
65th
Loans to deposits89.1%
47th
Uninsured deposits17.5%
7th
Loan-loss reserves0.00%
50th
Texas ratio5.7%
39th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Community 1st Credit UnionCredit union Ottumwa, IA38 out of 100, Low$1.1B10.5%3.14%vs
Collins Community Credit UnionCredit union Cedar Rapids, IA31 out of 100, Low$1.5B7.8%2.47%vs
Dupaco Community Credit UnionCredit union Dubuque, IA77 out of 100, Strong$3.5B13.3%0.77%vs
Veridian Credit UnionCredit union Waterloo, IA73 out of 100, Strong$9.2B11.6%0.67%vs

Deposit insurance

Is my money safe at Dutrac Community Credit Union?

Yes. Dutrac Community Credit Union is a federally insured credit union (NCUA charter #64471). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 17.5% of shares and deposits ($193.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.64%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Dutrac Community Credit Union lists 7 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Dutrac Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64471
RSSD ID
362098
Primary regulator
State + NCUA
Established
1946
Headquarters
P O Box 3250, Dubuque, IA 52004
Employees
187

Quick answers

Dutrac Community Credit Union: common questions

Is Dutrac Community Credit Union NCUA insured?

Yes. Dutrac Community Credit Union is a federally insured credit union (NCUA charter #64471). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Dutrac Community Credit Union's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Dutrac Community Credit Union have?

7 offices as of the latest NCUA data.

Nearby

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