# DUTRAC COMMUNITY
DUBUQUE, IA · NCUA charter 64471 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dutrac-community-64471

Who the members are: state charter, organized 1946. 53,729 members of 1,939,814 potential (2.8% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.25B |
| Members | 53,729 (0.3% YoY) |
| Full-time staff | 169 |
| Net worth | $142.9M |
| Net worth ratio | 11.4% (p64 of band) |
| ROA (annualized) | 0.87% (p64 of band) |
| Total delinquency | 0.71% (p60 of band) |
| Net charge-offs (annualized) | 0.33% (p28 of band) |
| Loans / shares | 84% (p43 of band) |
| Cash / assets | 11.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.92% (p23 of band) |
| Operating expense / assets | 2.50% (p17 of band) |
| Vehicles % of loans | 38% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 81% |
| Third-party paper % of net worth | 204% (p68 of band) |
| Vehicle delinquency | 1.51% (p91 of band) |
| Vehicle NCO | 0.74% (p35 of band) |
| Repossessed % of vehicle book | 0.37% (p93 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 105% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 50% |
| Average share balance | $10,443 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $38.4M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $26,981 |
| Loans granted, annualized | $346.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $38.4M outstanding purchased (26.8% of net worth), $52,289 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 3.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | loans>95% of shares |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | loans>95% of shares |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | net worth falling | loans>95% of shares |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | net worth falling |  |
| 2023-03 | 1 |  | net worth falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 3 | repo signal |  |
| 2025-06 | 1 |  | net worth falling, repo signal |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | repo signal |  |
| 2026-03 | 2 | net worth falling | repo signal |

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

- 2026-07-21 [DuTrac celebrates 80 years of serving communities, highlights its Mobile Branch - KWQC](https://news.google.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?oc=5) · KWQC
- 2026-06-22 [DuTrac Community Credit Union celebrating 80 years - The Quad-City Times](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUnlsTnhobWI2Y0NXcVpSR0tsMEoyUTFlMnN0aDFRckE4WXdXaW5ONVVqQXdydUNaN21vLXRkS0YzVEVVbUhCMkhlWjZsVENRaFpLNFNxM0JWa1p0TnFYODV5blk3RE5QVmlGbW1WVy1uRUExVUwydVk5c2o5MFlBd1I2Sk13ZGZKNzJ6VUxaZ08xazVmMGVBRUJuME1wUUFSYkJJ?oc=5) · The Quad-City Times
- 2026-05-23 [‘That’s insane’: Vendors react after counterfeit tokens found at Dubuque Farmers’ Market - kcrg.com](https://news.google.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?oc=5) · kcrg.com
- 2023-11-02 [New DuTrac credit union being built in Moline - OurQuadCities](https://news.google.com/rss/articles/CBMilwFBVV95cUxNN3FKYXlZSmRsczg5dW5ORjMyTnluUWxEeGhYTmJIV1VYYU5lckdralBiRWl3SDRIVUZodVV6RzlIaU9BMWhZWENuWDdDR19rajlmaTFDeXVhWHpreTdLa2RPMDE4dHN5STZKQXg3LXBsaXhJcTJiUjlPcUlMN2ViUWQyY01IQU84bjZRemVZeXRLMV9pYVow0gGcAUFVX3lxTFBwbFlNM1JJcl9KODFUOHN6SkJacVA5TTh3VVBjenlmNnJHUW5iSzlDcml5c2tSTndUREl1b0ZsbkdtcEVadzBTX01oU2E2OHVSSUg4ckhBNDVsR2ZpdWIyQUw5T29oeHRIYlBNdmtmT2pHTTZOa1pPdm9wclZFZl9ZMlJiZ3FQaUwyRHo3bjVfelhBQ3FheUFuLXJiSQ?oc=5) · OurQuadCities
- 2020-12-17 [Keeping You Aware of Fraud: How DuTrac Community Credit Union can help - WQAD](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNTkF0aUFRT0JUNEtKZjBwSjZrejlwUXlNcS1CN2dCRkpjRGZldUJFWmZYTHhWaFNfZTAtYV9NNmZFa05tNjlIcGhYZHM4Q3FPT2luLUtKOERmSlNhYkVzY1YwQUsybnRZbmlaUDZJTjFlU3dOX1JULTgtblFYVnhEUEhKajgwRHpYZmt3ZVF2NHBrY2ZKMEtTanRzY09BQ3NoZlJJemRvTEk1ZThtbEM1aEthZ2YxUGh1ak1RVGZqOGx1dEI2SUdaTEoxbkRORXgwdFlic3ZXOFhHSU9TeGlQRldxOGJ0MnBEdlFwYzZZUlBLaDQ2eW00?oc=5) · WQAD
- 2025-11-13 [Dubuque credit union asks council to adjust conservation district to demolish 1874 building - TelegraphHerald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQaktyeWhuVFVtRGZIWXNyRTlhbEdXTU1qYm5IQ0ZYWUx2TXRoZ0daMDhZeGJKbnJOcG1OVE9fVTNCYkdBMllGMUQ1bGhhMnZWV3F5VUEtR0U2MzNfRG05X05IZElvS19vVlByM21jU01fRGR2cEtaZ1N0UjdhZkx4cnlVLTNpQklUWTJXa2NDdVFaeGJDVFJQVVctTjM?oc=5) · TelegraphHerald.com
- 2023-05-23 [DuTrac Community Credit Union - KWQC](https://news.google.com/rss/articles/CBMib0FVX3lxTFBSRUlsLWFFSm05WFJfSFRxZTdZZ21DRER6TlRfMDJSRi1jeFpXZk9mTHl2aUlZTGNiS2hteTB3M3BydTJQZUlZZ2JSWFBWUFBBcC1qWTJrd0g5S3U0QWVrMjY2UElockVrc2o2LVl4TdIBgwFBVV95cUxNWlFyYVdKekJYTXBITDZYTERKTzlVdGdlaGdSYVZCUERSU2F4ZXlRMnVoWTBiQlNld1J6Z3pYTzR1TFdwV0ZUVzNwVElJY3N2X0h3UWpFSzZDemZteHVrNmhRaWw2akZhakFGY2JVb0Z1OV94LS1pOFpMRUJ5RUNZUnZ0QQ?oc=5) · KWQC
- 2024-08-09 [BUSINESS SPOTLIGHT: DuTrac Community Credit Union - decorahnews.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOaXdmQkNXQ3hFOHFDVC1NUGJjdXRVM2hWRDM0dl9xbkdURkdDNjZKb1pKSWtSbkpiVy1TdFBOTjEtREJ1Rlk5U1NOa255dGVSWWxWandjdElXQUppcmVDNzh5OXllNGdkTWM4Y3F6b1JvT3gzMVlyQ01YUGJSbGVhcEgxSlJjREczVHE4dA?oc=5) · decorahnews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64471 (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/23.json (key "64471", 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=64471
- 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