Dutrac Community Credit Union Dubuque, Iowa
Dutrac Community Credit Union is a state-chartered credit union headquartered in Dubuque, IA, established in 1946 (NCUA charter 64471), and it is regulated and insured by the NCUA. At Q2 2026 it reported 54,708 members and total assets of $1.26B (up 5.4% from Q2 2025), the 5th largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 11.64% at Q2 2026, in the well capitalized band.
Also written as Dutrac Community CU
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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
- 64471
- Headquarters
- Dubuque, IA
- Established
- 1946
- Total assets, Q2 2026
- $1.26B
- Assets vs Q2 2025
- +5.4%
- Members, Q2 2026
- 54,708
- Net worth ratio, Q2 2026
- 11.64%
- Latest call report
- Q2 2026, NCUA 5300 · Dutrac Community Credit Union call report
- Asset rank in state
- 5th of 65 in Iowa
- Routing number
- 273974549
- Branches
- 15
It has 935 more members than on June 30, 2025 (+1.7%). Its net worth ratio was up 0.31 percentage points from 11.33% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $404.6M of $984.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.74% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.64% net worth ratio is above that band's 10.89% median.
Credit unions merged into Dutrac Community Credit Union
Chemical Credit Union (2015) · School District 40 Employees Credit Union (2014)
Frequently asked about Dutrac Community Credit Union
How big is Dutrac Community Credit Union?
At Q2 2026 it reported total assets of $1.26B and 54,708 members.
Where is Dutrac Community Credit Union headquartered?
It is headquartered in Dubuque, IA, United States.
When was Dutrac Community Credit Union founded?
It was established in 1946, per NCUA records.
Is Dutrac Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64471): 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 Dutrac 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 Dutrac Community Credit Union well capitalized?
Its net worth ratio was 11.64% 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 Dutrac Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.74% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Dutrac Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.09% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Dubuque, IA 52004
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1946
- NCUA Charter #
- 64471
- RSSD ID
- 362098
- Members
- 54,708
- Potential members
- 1,939,814
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 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.64% | 10.89% | 61st above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.06% | 0.89% | 62nd above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.07% | 8.07% | 59th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.11% | 3.45% | 29th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 67.30% | 70.59% | 61st above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.98% | 1.68% | 26th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.74% | 0.68% | 46th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.09% | 5.12% | 48th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 89.09% | 88.03% | 54th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.26B total assets against $1.19B; $1.11B total shares and deposits against $1.05B; $984.8M total loans against $913.2M.
$146.2M net worth against $135.1M.
11.64% net worth ratio against 11.33%.
89.09% loan-to-share ratio against 86.77%.
0.74% delinquency ratio against 1.03%.
1.06% return on assets against 0.68%; 9.07% return on equity against 6.02%.
3.11% net interest margin against 2.87%.
54,708 members against 53,773.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.64% | 1.06% | 0.74% | 89.09% |
| March 31, 2026 | 11.42% | 0.87% | 0.71% | 84.07% |
| December 31, 2025 | 11.59% | 0.88% | 0.95% | 85.77% |
| September 30, 2025 | 11.75% | 0.95% | 0.97% | 88.76% |
| June 30, 2025 | 11.33% | 0.68% | 1.03% | 86.77% |
| March 31, 2025 | 11.10% | 0.38% | 0.99% | 84.51% |
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.