# DUPACO COMMUNITY
Dubuque, IA · NCUA charter 64049 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dupaco-community-64049

Who the members are: state charter, organized 1948, low-income designated. 181,196 members of 5,173,063 potential (3.5% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.63B |
| Members | 181,196 (4.7% YoY) |
| Full-time staff | 612 |
| Net worth | $459.1M |
| Net worth ratio | 12.7% (p78 of band) |
| ROA (annualized) | 0.72% (p51 of band) |
| Total delinquency | 1.44% (p93 of band) |
| Net charge-offs (annualized) | 0.35% (p29 of band) |
| Loans / shares | 84% (p42 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 6.61% |
| Net interest margin | 2.91% (p23 of band) |
| Operating expense / assets | 3.17% (p47 of band) |
| Vehicles % of loans | 26% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 68% |
| Third-party paper % of net worth | 96% (p38 of band) |
| Vehicle delinquency | 0.83% (p69 of band) |
| Vehicle NCO | 0.54% (p21 of band) |
| Repossessed % of vehicle book | 0.14% (p69 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 176% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 37% |
| Average share balance | $7,424 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.7M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $24,396 |
| Loans granted, annualized | $1.13B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.7M outstanding purchased (1.9% of net worth), $5.7M sold and retained. Sold in 3 and bought in 3 of the last 8 quarters. Shares 5.6% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 | delinquency 2x band | net worth falling |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | leaning on borrowings |  |
| 2019-03 | 1 |  | leaning on borrowings |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | losing money, margin squeeze |  |
| 2020-06 | 3 | net worth falling | losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | net worth falling, losing money |  |
| 2022-06 | 4 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 2 |  | net worth falling, losing money |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | net worth falling |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | net worth falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | 3rd-party paper>100% NW |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | delinquency 2x band, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-30 [How HTC and NMTC Helped Restore Downtown Dubuque, Iowa - jpmorgan.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNQWkyZERzaktnOGRCUUJBWkp1QkFQYlRzREpiaHZES2c3bnRBY0VBcms2SDFHZkNZQlhoUTdsaXh6YVJuVkd5bHJheks5ODRYdUhhNEQ3OVRfLXRsSWVXdTdKWDU5XzItMFJYYWE3ODU1WXpMQkNfMkNkYkpGTGVaVV9SY1duSldIMGxfc0hSU2dWOEFCNmJXOUVXVVZmY2RIMXBsRXJjWWoyaVEwMVMxXzRjeW1LdGNnMzQ5U0szWVh1OTNDa19sNw?oc=5) · jpmorgan.com
- 2026-03-17 [Everyday Iowa - Mortgage Rate Relief program with Dupaco Community Credit Union - kcrg.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPd2Y5X0VMLXpOOXAwR1A3SmJkR25Pa0VaT1VNcUtQQnpybFVsY0JzSVBoNDVqLTRJQlVTWWhjdmVBTnlPbWpsQlNydWs2OVM1NTNfSFV4cjYzUkhZbHRNZUoyWnNXcldDZ3hLWHRKRjJQOFc4WEMybVNGc2k1MFRJdDlNc05meUJPTkk0eWd0bG5CZHlCRzEtTlFtQS1uTC1IMkw3RWRFVVpRQ25paDNuTW9rc3BUdkU?oc=5) · kcrg.com
- 2026-02-05 [Dupaco CEO Joe Hearn named CUES Outstanding Chief Executive - Corridor Business Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxPSnQ2TWRqamFFSDF5THIwMjlJeDA5dnRBbEM2TWhOQUFIU2F6NU53N2RveTFJMnk3VkFuUE1IOW96V3pYZHNhdGJnZGxIaW5fd01qTUJMWWZrUS1SOXhCTkJEQkxxYmpFQktJM0NIZWR4M1pPOG43N3B5VzJrd3VsdGliTzhGQXFOaGZJY0c3ZEVrOWs?oc=5) · Corridor Business Journal
- 2026-04-22 [Biz Buzz: Golf simulator opens in Manchester; New owner takes over Delhi coffee shop; Dupaco Community Credit Union renovates Sycamore branch - TelegraphHerald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPOFBjdUUybVNja1dXV2RjdTYwaHQ5VUNEYWk0VmVrNnlxeXM3aW52WFQwRzFMZl95bjFPU2lnRm5vYlFaWUFHNkppOHdOaUdMQ1FySnVDX1VpX1hwWDBNWmFNYXBuS0wxVUdTOTFpTzR2aTJMeDA4dTlFTjFSRXhTempNTzM3U0dISnAzNmVFR3VJMXNWTmtpVVR2OVo?oc=5) · TelegraphHerald.com
- 2026-04-28 [Asbury school purchases former Dupaco building, plans renovations | Tri-state News - TelegraphHerald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSlJYcW03eF9mVjgzOFdyalJPb3drdmpGV2ZWMnhBeW9WZjk4UUNoLTFQbVIwR0Y3ZmRUMjVqTGxpMnpzUjFPSjNFQXpLQWN4Rno5S0hVeDJmWUx3UUdqWEM3Q2dUQ1RHYmNvRUwyWkQ4dElYMlAtLUdFOWUxYkhvUVFMc3R0QTNwUm9pSVFudkZzQkxqajhjbE8zdXk?oc=5) · TelegraphHerald.com
- 2025-11-25 [CUES Names 2025 Award Honorees And Hall Of Fame Inductee - cutoday.info](https://news.google.com/rss/articles/CBMimAFBVV95cUxObG43U3dTcVFiS0tEd0hFa1RpQUprbk1panFDQmVkVm1NODJHVUljR200Tm5UM2d3NVlsWXR6ajNDMXQyVFJiR0dNV3Y3SGNsbHgyZzh4WF8tZXl0RDZzdjROWE8wVndmU1BNYzZ4UVNLMDF5OGdmSHNjNV9sYVUyU0t6emtWcjJENkt1LWpIM1MtWHh6empHaA?oc=5) · cutoday.info
- 2023-09-20 [Dupaco credit union workforce built around a passion for helping others - The Des Moines Register](https://news.google.com/rss/articles/CBMizgFBVV95cUxQUHR2enVka3FnZmhocGR0Tnp1VWhobklabUFlNUdoOWhsdHNpR2lwTEhUVGZaVTJWWTNfcWl4a04yUVBHYWZEdjFndW9KSTFXTVEzckJEc3MzYmtFbmI0b0NuVVhEdXc2RHRFT3cyT1dUUkw0aV9YNkVNQm1QYnJsdE5mTHFtQ3VHUG5uSEotRnFTMVB3OWd3Yk92SGRDQ05XR2QzNFFRZlJtNjNSeEc0cDE0MFdnQi1CQTZsU3FSdDBWa3Q0MVZfV19kdk5KUQ?oc=5) · The Des Moines Register
- 2021-09-30 [Dupaco Community Credit Union and Home Savings Bank Sign Agreement for Strategic Acquisition - Business Wire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPUjYyU2FnTXlnSEw3Tm9JY0FzRzdZOEVFVDFtVEJFNENEVjdmdHRYQkl4R1pBN0tXV0xKUUdCMG9wYmljR0Z5M1d5bmU4emhKTmdidWF4NjM0NHBVMUtmVXJkSGs5b0Y3Q25UTUFSd282MjVfYmtWaGFiMm41Vm95d0VHZXEtQ1BjVGU2M0pwYjdZWGtSeTdpQmxnTGluSVJpRWVDT18wNDlfV3FCNzJlZUtZVFJrOGRoWkNDZnVxOTZXcTkwYU9pTHhDelh2bDhPUUFsdk1kUURpcUV1RnlTemlSYw?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64049 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/49.json (key "64049", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64049
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide