Dupaco Community Credit Union Dubuque, Iowa
Dupaco Community Credit Union is a state-chartered credit union headquartered in Dubuque, IA, established in 1948 (NCUA charter 64049), and it is regulated and insured by the NCUA. At Q2 2026 it reported 182,155 members and total assets of $3.55B (down 1.4% from Q2 2025), the 3rd largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 13.33% at Q2 2026, in the well capitalized band.
Also written as Dupaco Community CU · Trade name filed with the NCUA: Dupaco
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64049
- Headquarters
- Dubuque, IA
- Established
- 1948
- Total assets, Q2 2026
- $3.55B
- Assets vs Q2 2025
- -1.4%
- Members, Q2 2026
- 182,155
- Net worth ratio, Q2 2026
- 13.33%
- Latest call report
- Q2 2026, NCUA 5300 · Dupaco Community Credit Union call report
- Asset rank in state
- 3rd of 65 in Iowa
- Routing number
- 273974581
- Branches
- 23
It has 7,131 more members than on June 30, 2025 (+4.1%). Its net worth ratio was up 1.47 percentage points from 11.86% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $850.1M of $2.53B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.77% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.33% net worth ratio is above that band's 10.89% median.
Credit unions merged into Dupaco Community Credit Union
Iowa Community Credit Union (2014)
Frequently asked about Dupaco Community Credit Union
How big is Dupaco Community Credit Union?
At Q2 2026 it reported total assets of $3.55B and 182,155 members.
Where is Dupaco Community Credit Union headquartered?
It is headquartered in Dubuque, IA, United States.
When was Dupaco Community Credit Union founded?
It was established in 1948, per NCUA records.
Is Dupaco Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64049): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Dupaco Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Dupaco Community Credit Union well capitalized?
Its net worth ratio was 13.33% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Dupaco Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.77% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Dupaco Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.98% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Dubuque, IA 52001
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 64049
- RSSD ID
- 305693
- Members
- 182,155
- Potential members
- 5,173,063
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.33% | 10.89% | 80th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.50% | 0.89% | 85th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.29% | 8.07% | 77th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.17% | 3.45% | 33rd below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 62.04% | 70.59% | 78th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.09% | 1.68% | 21st bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.77% | 0.68% | 44th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.27% | 5.12% | 61st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 85.98% | 88.03% | 45th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.55B total assets against $3.60B; $2.94B total shares and deposits against $2.85B; $2.53B total loans against $2.38B.
$472.4M net worth against $426.7M.
13.33% net worth ratio against 11.86%.
85.98% loan-to-share ratio against 83.59%.
0.77% delinquency ratio against 0.67%.
1.50% return on assets against 1.38%; 11.29% return on equity against 11.65%.
3.17% net interest margin against 2.78%.
182,155 members against 175,024.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.33% | 1.50% | 0.77% | 85.98% |
| March 31, 2026 | 12.65% | 0.72% | 1.44% | 83.54% |
| December 31, 2025 | 12.45% | 1.23% | 0.75% | 85.44% |
| September 30, 2025 | 12.20% | 1.20% | 0.75% | 85.47% |
| June 30, 2025 | 11.86% | 1.38% | 0.67% | 83.59% |
| March 31, 2025 | 11.75% | 0.53% | 0.74% | 84.05% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.